Digital Payment Systems and Information Acceptance
Summary
Digital payment systems encompass a spectrum of technologies—from mobile wallets and contactless card transactions to peer-to-peer transfers and blockchain-enabled platforms—that facilitate electronic exchange of value. Their rapid proliferation has reshaped commerce, enabling instant, borderless transactions and enhancing financial inclusion across diverse socio-economic contexts. The acceptance of these systems depends not only on functional attributes such as speed, convenience and security but also on the credibility and transparency of the information they generate. Users routinely evaluate perceived usefulness, ease of use, privacy safeguards and data accuracy when deciding to adopt or continue using a given payment solution. Trust in the underlying infrastructure and in the communication of transaction details is critical: information asymmetries or unclear disclosures can deter uptake, whereas clear, real-time feedback and robust data governance foster confidence. As digital payments become integral to daily life—from online shopping and bill settlement to micropayments and remittances—understanding the interaction between technology, information acceptance and user behaviour is vital for policymakers, service providers and end users alike.
Research from Nature Portfolio
No recent Nature Portfolio content available.
Digital Payment Systems and Information Acceptance publication trend
The graph below shows the total number of articles in digital payment systems and information acceptance across all publications each year (not limited to Nature Index journals).
Technical terms
Technology Acceptance Model (TAM): A theoretical framework positing that perceived usefulness and perceived ease of use determine users’ intentions to adopt a technology.
Perceived usefulness: The degree to which a user believes that using a particular system will enhance their performance or convenience.
Perceived ease of use: The extent to which a user expects that employing a system will be free from effort.
Electronic word-of-mouth (eWOM): Online sharing of opinions or recommendations that can influence others’ technology adoption decisions.
Digital Financial Inclusion (DFI): Efforts to make digital financial services accessible and affordable to all individuals and organisations, regardless of socioeconomic status.
Perceived privacy: A user’s judgement about how well their personal and transactional data are protected.
Perceived certainty: The degree of confidence users have in the reliability and predictability of a digital payment transaction.
References
- Perceived Enjoyment and Malaysian Consumers’ Intention to Use a Single Platform E-Payment. SHS Web of Conferences (2015).
- Digital Financial Inclusion Sustainability in Jordanian Context. Sustainability (2021).
- Go Cashless! Mobile Payment Apps Acceptance in Developing Countries: The Jordanian Context Perspective. Sustainability (2022).
About these summaries
This Nature Research Intelligence Topic summary is created with the cited references and a large language model. We take care to ground generated text with facts, and have systems in place to gain human feedback on the overall quality of the process in line with our AI principles. We strive to create accurate and useful summaries for people unfamiliar with the research topic and that supports this goal. These pages are a beta release and will be updated as we learn how best to help people gain value from a research topic summary.
Turn complex research questions into confident strategic decisions
When you're under pressure to set direction, justify investment, or understand your competitive position, you need more than raw data — you need trusted insights you can act on.
Benchmark your performance against global peers using robust, methodologically sound analysis.
Combine quantitative metrics with qualitative expert insight to uncover strengths, gaps and emerging opportunities.
Gain tailored, decision-ready recommendations aligned to your strategic priorities.
Talk to us to learn more about our data dashboards and bespoke strategy reports.
Grow research skills, confidence and careers with training built for every stage of the research lifecycle.
Developed with Nature Portfolio journal Editors and internationally renowned experts. Discover three ways to learn:
Self-paced, online courses in convenient bite-sized units, covering key skills across scientific writing, publishing, grant writing, data analysis, and more.
Expert trainer-led workshops with hands-on exercises and real-time feedback across core research skills, delivered via interactive group sessions.
Editor-led workshops combining core principles in writing and publishing, personalised 1:1 feedback from Nature Portfolio Editors and hands-on exercises.
Explore course catalogues and workshop agendas, enquire about the options or request institutional pricing.