A Systematic Review of Digital Payment Transactions in Enhancing Third-Party Funds and Fee-Based Income
DOI:
https://doi.org/10.63208/21014-666Keywords:
Banking Stability, Digital Financial Services, Financial Inclusion, Payment System Innovation.Abstract
This systematic literature review examines the impact of digital payment merchant transactions on Third-Party Funds (DPK) growth and Fee-Based Income (FBI) within digital finance and investment innovation. Synthesizing findings from national and international journals, the study highlights digital payment mechanisms' role in enhancing banking profitability and financial inclusion. Key factors influencing this relationship include technological infrastructure, consumer trust, and regulatory frameworks that foster innovation while managing risks. The review addresses challenges in risk management, emphasizing the need for adaptive policies and governance to mitigate cyber threats. Results underline the strategic importance of integrating digital payment systems to diversify income streams, optimize capital mobilization, and enhance operational efficiency. The study provides valuable insights for academics, financial practitioners, and policymakers aiming to promote sustainable growth through digital finance innovations. It bridges literature gaps and lays a foundation for future research on strengthening inclusive and resilient financial ecosystems.
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