Information Technology
How Inclusion, Mobile, and Real-Time Payments Are Powering the Next Wave of eCommerce Growth: Insights from Nuvei's New Report
Together, these eight markets are projected to exceed , expanding almost twice as fast as mature economies. Nuvei uses these markets as examples to understand how are shaping digital growth trajectories worldwide.
Digital financial access has expanded dramatically across these economies. A decade ago, fewer than half of adults had access to a digital financial account. Today, do, creating a foundation for faster and broader digital commerce growth.
In markets like and , financial inclusion has been propelled by large-scale public payment systems such as and , which now reach hundreds of millions of users. In , open banking reforms and the expansion of have similarly accelerated access, enabling more consumers and small businesses to participate in digital trade.
Mobile commerce now accounts for between of all online purchases across these eight markets. In , mobile payments already represent the majority of eCommerce spend, while in , mobile penetration exceeds 90 percent of online consumers.
Real-time payments are also becoming the default. in Brazil processes more than , and in India now exceeds . By 2027, more than half of all eCommerce transactions across these markets are expected to flow through instant payment rails, reflecting how speed and interoperability are redefining the customer experience.
In , the introduction of is extending these real-time benefits to a broader share of the population, while Faster Payment System and the digital wallet ecosystem are driving similar momentum across cross-border hubs.
Although the pace and pathways vary, several shared dynamics stand out. Real-time infrastructure is accelerating inclusion and trust; mobile-first consumer behavior is compressing adoption cycles; and local payment ecosystems are increasingly influencing global expectations for speed and choice.
These patterns illustrate how high-growth markets are building modern commerce models that are , offering valuable lessons for global merchants looking to expand internationally.
For international businesses, understanding these trends is essential to capturing new growth opportunities. High-growth markets share structural characteristics such as expanding digital access, diverse payment preferences, and rapidly evolving regulatory frameworks. Tailored approaches to market entry, payment acceptance, and localization are key to scaling successfully.
Nuvei's brings together market data, consumer insights, and ecosystem research to help merchants navigate this complexity. The 2025 edition also previews Nuvei's next phase of research, to be released in early 2026, focused on regional infrastructure developments and new opportunities for cross-border expansion.
Alex Hammond
alex.hammond@nuvei.com
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