Sirvi Autor "Khasmammadov, Murad" järgi

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The Future of Digital Payments: Trends and Disruptions
(Tartu Ülikool, 2025) Khasmammadov, Murad; Milani, Fredrik Payman, juhendaja; Tartu Ülikool. Loodus- ja täppisteaduste valdkond; Tartu Ülikool. Arvutiteaduse instituut
The evolution of digital payments have transformed the global financial ecosystem by providing faster, more secure, and more accessible ways to transact. However, despite the widespread adoption of digital payment systems, gaps remain in understanding the drivers of their evolution, the challenges that hinder their potential, and the implications of emerging trends such as blockchain, AI, and IoT. The rapid pace of technological advancement and regulatory changes underscore the need for a comprehensive overview of digital payment systems. This thesis addresses these gaps by exploring the evolution of digital payment systems, their lifecycle, and the various tools that drive this transformation. Using a systematic literature review, it addresses research questions related to the digital payment types, key drivers, benefits, challenges, and future trajectories of digital payments. The study highlights the role of technological advancements such as blockchain, AI, and IoT and the impact of regulatory frameworks in shaping payment innovations. Emerging trends, including cryptocurrencies, central bank digital currencies (CBDCs), and mobile payments, underscore the shift toward decentralization and financial inclusion. Despite significant progress, barriers such as interoperability, cybersecurity, and regulatory complexity persist. This thesis offers an understanding of the current landscape and future directions of digital payments, providing valuable insights for stakeholders, including consumers, businesses, financial institutions, and policymakers.