The Emerging Technologies of Digital Payments and Associated Challenges: A Systematic Literature Review

The interplay between finance and technology with the use of internet triggered emergence digital payment technologies. Such technological innovation in industry is foundation for financial inclusion. However, despite continuous progress potential moving landscape towards payments connecting population to ubiquitous environment, some critical issues need be addressed achieve a more harmonious inclusive sustainable cashless society. study aims provide comprehensive literature review on emerging technologies associated challenges. By systematically reviewing existing empirical studies, this puts forward state-of-the-art classification presents four categories technologies: card payment, e-payment,mobile cryptocurrencies. Subsequently, paper key challenges categorized into broad themes: social, economic, technical, awareness legal. categorization can useful both researchers practitioners understand, elucidate develop coherent strategy.