Webinar deck
Navigating
Payments
How innovation and fragmentation are changing the game for e-commerce
Online spending in emerging markets is growing 1.8x faster than global middle-class spending, but the rails are uneven, and the checkout bar sits far above where most new consumers live. World Data Lab and EBANX unpack what the next ten years of payments data means for anyone selling online.
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Explore the slides and insights from World Data Lab and EBANX.
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930M
new middle-class adults by 2036, all of the growth is in emerging markets
$25.6T
spent online in 2036, up from $11.0T in 2026, 22% of all consumer spending
741M
new online buyers in emerging markets, 92% of them middle class
2.6bn
adults in emerging markets live between $6 and $25 a day, at least 957M already pay digitally but don't buy online
Inside the deck
The next billion buyers are already here. Most checkouts can't reach them.
Where the money moves
A third of all new consumer spending to 2036 is online, and 60% of that sits in emerging markets. Retail carries half of emerging markets' online growth; gaming grows fastest at 14% a year.
The fragmentation problem
Every payment method has its own bar: half of emerging-market adults only have a debit card once they spend $14 a day, paying a merchant digitally $20, online buying $32. One checkout stack rarely fits a whole market.
Lowering the bar
You can wait ten years for incomes to rise, or reach the 2.6bn adults on $6 to $25 a day now, 70% of whom already pay digitally.
Which markets, in what order
Ready or growing, almost never both. Where readiness and growth actually overlap, and why India in 2036 behaves like five separate markets in one.
Speakers
Four perspectives on one checkout
Wolfgang Fengler
CEO, World Data Lab
Leads WDL's work on consumer-class and spending projections across 180+ markets.
Estelita Hass
EBANX
On how local payments are a reflex of consumer behavior and how local rails are reshaping cross-border commerce.
Marie-Elise Droga
EBANX
On what global merchants get wrong when they enter fragmented payment markets.
Juan Caballero
World Data Lab
On the spending and consumer-class data behind the market-by-market outlook.
Webinar deck
Download the Navigating Payments deck
Get the slides from World Data Lab and EBANX on the next decade of e-commerce payments, consumer growth and market readiness.
Download the webinar deck
Explore the slides and insights from World Data Lab and EBANX.
By downloading you agree that World Data Lab and EBANX may contact you about these insights.
© 2026 World Data Lab · EBANX
Data source: World Data Intelligence. Spending covers all ages; counts of people cover adults 15+.