Future of Commerce in Australia 2025: Trends & Tech

Commerce in Australia is undergoing a seismic shift. In 2025, a potent mix of digital innovation, changing consumer expectations, and evolving regulations is redrawing the lines of how Australians buy, sell, and connect. Whether you’re a business owner, investor, or everyday shopper, understanding these forces is crucial for navigating—and thriving in—the new landscape.

Digital Acceleration: E-Commerce, Payments, and Beyond

The e-commerce boom that surged during the pandemic years has not only persisted but intensified. In 2025, Australians are transacting online more than ever, with the Australian Bureau of Statistics reporting that over 38% of retail sales now occur online—a dramatic rise from pre-2020 figures. Mobile-first shopping, AI-powered product recommendations, and seamless digital wallets are now table stakes for retailers, not future goals.

• Instant Payments: The rollout of PayTo, Australia’s real-time direct debit solution, is enabling frictionless, instant payments between consumers and merchants, eliminating traditional delays and fees.

• Buy Now, Pay Later 2.0: Regulatory reforms in 2024 have brought BNPL services under tighter ASIC oversight, with credit checks and clearer fee disclosures now mandatory, fostering more responsible lending and borrowing.

• Omnichannel Experiences: Successful brands are blending physical and digital, offering click-and-collect, virtual try-ons, and loyalty programs that work across all channels. Myer, for example, recently reported a 25% lift in sales from customers who use both its app and stores.

Regulation and Trust: New Rules for a New Era

As digital commerce grows, so does the regulatory spotlight. In 2025, the Australian Competition and Consumer Commission (ACCC) and ASIC have ramped up enforcement on issues from online scams to data privacy and consumer rights.

• Privacy Upgrades: The Privacy Act amendments, passed in late 2024, impose stricter requirements on how retailers collect and store customer data, with significant penalties for breaches. Businesses are investing in cybersecurity and transparent privacy policies to win trust.

• Online Marketplace Standards: New ACCC guidelines require platforms like eBay and Amazon to verify sellers, combat counterfeit goods, and clearly disclose refund and dispute processes—raising the bar for online shopping safety.

• Sustainability Disclosure: Sustainability is no longer a buzzword but a compliance issue. Major retailers are now required to report on supply chain emissions and sustainable sourcing under Australia’s expanded Modern Slavery Act.

Consumer Trends: Values, Convenience, and Community

Australian shoppers in 2025 are more empowered and discerning than ever. Value and convenience remain king, but social and environmental impact are now key drivers of loyalty and spend.

• Green Commerce: According to a recent NAB report, 68% of Australians prefer brands with transparent sustainability practices. Initiatives like carbon-neutral shipping, recycled packaging, and ethical sourcing are increasingly influencing purchase decisions.

• Localism and Personalisation: Post-pandemic, there’s been a resurgence in supporting local businesses, with platforms like Buy From The Bush and Shop Local Australia seeing record engagement. AI-driven personalisation tools help small retailers punch above their weight.

• Social Commerce: Platforms like Instagram and TikTok are now mainstream sales channels, with shoppable posts, live-streamed product demos, and influencer partnerships making commerce more interactive and community-driven.

Looking Ahead: How to Stay Ahead in 2025

The rules of commerce are being rewritten in real time. For Australian businesses, success in 2025 means embracing digital transformation, building consumer trust, and delivering value with purpose. For shoppers, it means more choice, convenience, and confidence than ever before.