This study, titled "Exploring the Influence of Market Trends on the Evolution of Digital Payments: The paper entitled “A Comprehensive Qualitative Study of Fintech Expert Insights and Existing Research” examines the effects of Artificial Intelligence and Cryptocurrencies on Digital Payment Systems. Based on the analysis of the identified themes, personalization has a positive impact on perceived usefulness through provision of customized services and easy cross border transfer of funds. Some of the features that have been incorporated in these systems include integrated savings and automated features which enhance the value of these systems. The following are the improvements in the areas of security and trust, fraud detection, and accessibility features. This work also discusses the concept of trialability in the technology adoption process, and barriers that exist in the form of technological constraints, data privacy concerns, and consumer awareness. Emerging technologies such as quantum computing, voice recognition, and the integration of the IoT will continue to revolutionise the future of digital payments and make it faster, safer and more individualistic. Meta-analysis supports the view that technology literacy is an essential factor influencing user comfort and acceptance, whereas cryptocurrencies and Artificial Intelligence represent drivers of strategic progress in payment systems with risks connected to legal issues and privacy being the barriers to further development.
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Pritam Bhattacherjee - (2024) studied this question.
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