This research report was produced by PayPal, based on a  study conducted by ACA Research with n=15,221* consumers  and n=4,604 businesses. It contains general observations  about trends in e-Commerce, social commerce, Buy Now Pay  Later and cross border as well as involving cryptocurrency,  NFTs and the metaverse. The study does not take into  account the objectives, situation or needs of any specific  business or individual.

The consumer research conducted by ACA Research consisted  of a 15-minute online survey of n=15,221* consumers across  12 different markets aged 18-75 years, exploring adoption,  usage and sentiment towards e-Commerce, social commerce,  Buy Now Pay Later and cross border as well as  cryptocurrency, NFTs and the metaverse. In addition, ACA  Research conducted a 10-minute online survey of n=4,604  with business decision makers within B2C retailers and  businesses who operate entirely or partially online, across 12  different markets. It explored their attitudes and behaviours around e-Commerce, social commerce, Buy Now Pay Later  and cross border, as well as cryptocurrency, NFTs and the  metaverse.