Crowd-funding and Alternative Finance for African Development Projects: Implications for Regional Integration
Mobile money platforms increase financial inclusion for cross-border development projects in Africa.
Payments Reports & Market Data (2026)
248 documents
Cryptocurrency Regulation: A Descriptive Case Study on the Policies of India, Vietnam, and the Republic of the Philippines
Cryptocurrency reached an estimated market capitalization of 3.9 trillion USD in 2025, driving high adoption in lower-middle income countries.
Digital Laggard, FinTech Frontrunner? Neobanks and the Paradox of Digital Adoption in Bulgaria
In 2025, 86.5 per cent of Bulgarians aged 16 to 74 used the internet regularly, while internet banking usage remained significantly lower at 31.1 per cent.
FinTech Mergers and Acquisitions in India: Rethinking Competition and Regulatory Oversight in the Age of AI
Amazon executed a $200M acquisition of BNPL lender Axio in early 2025 to expand into Indian digital lending.
Adoption of the Fintech Services among Young Entrepreneurs
Digital wallets are used by 54% of respondents, and online lending platforms show an adoption rate of 28%.
A Study on the Role of India Post Payments Bank in Promoting Financial Inclusion in Rural India
During FY 2024–25, IPPB operated more than 1.64 lakh banking access points and 649 banking outlets across the country.
The Human-Centric Algorithm: Synergising AI-Driven Fraud Detection with Ethical Human Oversight to Optimise Sustainable Banking Integrity
In 2025, global digital payments value reached $2.0 quadrillion across 3.6 trillion transactions, of which $1 trillion were fraudulent.
Strong Customer Authentication: Legal Regulation and Implementation Issues
The Management Board of the Central Bank of the Republic of Azerbaijan approved the Strong Customer Authentication (SCA) Rule on 13 March 2024 under Decision No. 12/2, applying to payment transactions from January 2026.
Unified Payment Interface: Towards Greater Cyber Sovereignty
In June 2020, UPI recorded more than 1.34 billion transactions amounting to almost US$35 billion.
Mobile Banking Growth and Operating Efficiency in Indian Commercial Banks: Evidence from Ten Public and Private Sector Banks, FY2017-18 to FY2024-25
Average monthly mobile banking transactions of the ten studied banks grew from 106 million in FY2017-18 to 10,985 million in FY2024-25.
Constructing a FinTech Adoption Index for BRICS+ Economies: Evidence from Principal Component Analysis
FinTech usage has grown by over 240% globally in the past decade.
Digital Infrastructure Integration and Capital-Market Resilience in a Frontier Exchange: A Longitudinal Panel and Coefficient-Decomposition Analysis of the Nairobi Securities Exchange
The study analyzes a balanced panel of 53 ordinary equity securities continuously listed and traded on the Nairobi Securities Exchange over the 2021-2025 period.
The Role of the International FinTech Market in Shaping Investment Support for Global Food Security
High costs of credit, lack of collateral, and elevated agricultural risks restrict small and medium producers from accessing capital for modernization.
Artificial Intelligence in Fintech and the Black Box Dilemma: Regulatory Perspectives in Azerbaijani Law
Artificial intelligence adoption in fintech enhances operational speed in credit scoring, insurance risk assessment, and fraud detection, but creates algorithmic opacity known as the black box dilemma.
Exploring Generation Z’s Continuance Intention Toward Digital Banking in Malaysia: An Integrated Behavioral Reasoning and Expectation Confirmation Perspective
The study analyzed data from an online survey of 355 university students aged 15–25 with prior digital banking experience in Malaysia.
Electronic Banking Services and Their Role in Enhancing Financial Performance of Commercial Banks in Ethiopia
Initial ATM adoption in Ethiopia began in the early 2000s, followed by mobile and internet banking growth after 2011.
From Digital Transactions to Formal Credit: A Review of FinTech-Enabled MSME Financing in India
The study gathers primary data using a structured questionnaire administered to a sample size of 100 respondents from MSMEs.
FinTech-Driven Transformation of Financial Management: Evaluating Digital Innovation, Risk Management, and Strategic Decision-Making
The World Bank Firm Adoption of Technology Survey analytical dataset for India comprises 1,519 establishments and 987 variables.
Intent-Preserving Neuro-Symbolic Repair for Safe LLM-Driven Financial Transactions
LLM repair in a re-implemented VA-NSF loop produced intent-mismatched commits for 32.1% of requests across 296 evaluation instances.
Artificial Intelligence in the Financial Sector of the Global Economy: Implementation Directions and Financial Stability Risks
According to international surveys by the Bank for International Settlements, about 70% of financial sector companies use AI for cash flow forecasting and risk assessment.
Emerging Technologies, Organizational Change, and Financial Innovation: A Multi-Country Study from the Arab Region
Primary data was gathered from 2,168 investors, fintech users, and financial professionals across seven Arab countries to evaluate regional digital transformation.
Fraud-Preserving Dual-Horizon Temporal Heterogeneous Graph Contrastive Learning for Credit Card Fraud Detection
On a 30,000-event synthetic stream with a 2.40% overall fraud rate, the proposed dual-horizon FPAA model achieves an average precision of 0.427 ± 0.038 across three training seeds.
A Scalable MLOps Framework for Intelligent Fraud Detection and Identification in Financial Transactions
The study develops a scalable MLOps framework evaluated on 100,000 transactions sampled from the Credit Card Transactions Fraud Detection Dataset.
Financial Technology and Financial Inclusion: Evidence from East African Community Member Countries
The study investigates the impact of financial technology on financial inclusion across 8 East African Community countries over the period 2014–2023 using a panel of 80 country-year observations.
Beyond Adoption: Trust and Promotion in Explaining Sustained QRIS Usage Among Micro-Enterprises
Data were collected from 200 micro culinary enterprises in Indonesia that actively use QRIS in daily transactions.
Bitcoin: A Peer-to-Peer Electronic Cash System
A block header without any transactions requires approximately 80 bytes of storage.
Design and Development of a Web-Based Digital Credit Service and QRIS Transaction System
The PayQRIS system achieved a System Usability Scale (SUS) score of 83.25, indicating high usability.
The Effect of E-Wallet, QRIS, and Digital Accounting Utilization on the Financial Management Quality of MSMEs in Medan City 2024–2025
A survey of 150 MSME owners and managers in Medan City evaluated the adoption of digital financial tools and their effect on financial management quality across 2024–2025.
Strategic Analysis of Global Trade Settlement, Sanctions Enforcement, Alternative Sovereign Rails, and On-Chain Liquidity Infrastructure
Cross-Border Interbank Payment System (CIPS) daily usage was reported at about $60 billion compared to about $1,800 billion a day for CHIPS, with about 80 percent of CIPS payments still using Swift messaging.
Fintech Adoption and Firm Performance: Mechanisms, Contingencies, and the Limits of Current Evidence
SWIFT diffusion among nearly 7,000 banks demonstrated that profitability benefits materialized only after several years of adoption.