Exploring the Adoption of Digital Payments: Key Drivers & Challenges

This paper investigates the factors influencing the adoption of digital payments globally. It discusses the drivers, challenges, and potential future research areas required to enhance the digital payment ecosystem. Emphasis is placed on technology advancements, consumer preferences, and regulatory frameworks, with a data-driven approach. Tables, graphs, and statistical analyses provide insights into the current adoption trends across regions. Future research directions focus on improving the security, user experience, and accessibility of digital payments.