Webinar
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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Free to attend. Registrants get the slides and the recording.
By registering you agree that World Data Lab and EBANX may contact you about this event.
930M
new middle-class adults by 2036, all of the growth is in emerging markets
$23T
spent online in 2036, up from $9.5T in 2026, 22% of all adult 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, 700M already pay digitally but never buy online
What we'll cover
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 the 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, digital payments $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 move the checkout bar from $25 to $6 and reach consumers who already exist, 60% of them 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 Caldas
EBANX
On how payment regulation and 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.
8 October 2026 · 9am EST | 3pm CET
Register for Navigating Payments
Can't make it live? Register anyway, we send the recording and the full data pack to everyone on the list.
Save your seat
Free to attend. Registrants get the slides and the recording.
By registering you agree that World Data Lab and EBANX may contact you about this event.
© 2026 World Data Lab · EBANX
Data source: World Data Lab, population aged 15+