A new report from global digital payments provider Checkout.com reveals that Australian consumers are among the most trusting digital shoppers globally, but that trust is highly conditional and increasingly defined by the checkout experience.
Trust in Australia’s Digital Economy 2025 report, based on a YouGov survey of over 18,000 global consumers and transaction data from Checkout.com’s global payments network, found that Australia tops Checkout.com’s Digital Economy Trust Index across English-speaking markets.
The Index measures how confident consumers feel transacting online, from sharing data and using digital wallets to trusting AI, biometrics, and new payment technologies.
This reflects their status as digitally mature economies where trust is high, but conditional, shaped by active engagement, strong expectations of security, and a cautious approach to emerging tech.
Nearly 1 in 3 consumers (average 29.76%) say a slow or complex payment process erodes their trust and loyalty when paying online.
For Australian consumers, payment trust is fragile. Nearly half (44.5%) say uncertainty around the safety of the payment process erodes their trust and loyalty. More than a third (33.8%) are put off by a lack of an easy returns process, while 41% lose confidence when their preferred payment method isn’t available.
Monique Biady (pictured), Head of Commercial for Australia at Checkout.com, said the findings highlight the shifting expectations of Australian consumers and the growing commercial significance of the payment experience.
“This is one of the most digitally mature and mobile-led markets in the world, but also one of the most cautious,” Biady said.
“A friction-free, secure checkout experience is essential. Consumers expect performance, security, and transparency at every step. When that expectation isn’t met, they simply walk away,” Biady added.
The report also reveals broader digital behaviours shaping consumer expectations in Australia, especially among younger generations. Gen Z shoppers in both countries are among the most mobile savvy in the world, with 44 percent of Australian Gen Z consumers checking prices online while shopping in stores.
Likewise, more than one in three Australians, or 36 percent, compare prices on their phones while in physical stores, and over half, or 54 percent, say online reviews strongly influence their purchasing decisions.
At the same time, shifting values are influencing how Australians spend. Among Gen X consumers, 45% now regularly purchase second-hand goods, a figure well above the global average of 26%, reflecting a growing commitment to sustainability and the circular economy.
But while Australians are highly engaged online, their participation in the gig economy remains relatively low. Just 23% report earning income through digital platforms, compared to 58% in Brazil and 50% in China.
According to Biady, these shifts, from growing interest in sustainability to increasing scepticism toward digital platforms, reflect a broader recalibration of how trust is built and maintained in the online economy.
“As digital expectations continue to rise, trust is a deciding factor at checkout. For Australian consumers, the payment experience is where confidence is won or lost. Businesses that embed trust into every transaction, through reliability, security, and transparency, will not only meet rising consumer expectations, but also future-proof their position in a rapidly evolving digital economy,” Biady said.
