Journal of Advances in Developmental Research

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Beyond the Swipe: The Evolution of Contactless, Voice-Enabled, and Invisible Payments

Author(s) Abhijith Vijayakumar Binsu
Country United States
Abstract This paper examines the evolution of payment systems, transitioning from traditional cash and card-based transactions to frictionless models driven by technological advancements. It explores the rise of contactless payments, voice-enabled transactions, and invisible payment systems, highlighting the pivotal roles of Near Field Communication (NFC), artificial intelligence (AI), biometrics, and the Internet of Things (IoT). The analysis delves into the benefits of these systems, including enhanced speed, convenience, and user experience, while addressing critical challenges such as security risks, data privacy concerns, and regulatory compliance. The paper further discusses the future of payments, encompassing central bank digital currencies (CBDCs), cryptocurrencies, and AI-driven financial assistants, and emphasizes the need for robust security measures, transparent data policies, and collaborative regulatory frameworks. Ultimately, the paper underscores the transformative impact of frictionless payment technologies on consumer behavior and the global economy, advocating for a balanced approach to innovation and consumer protection.
Keywords Frictionless Payments, Contactless Payments, Voice-Enabled Payments, Invisible Payments, Artificial Intelligence (AI), Biometrics, Digital Payments, Payment Security, Data Privacy, Financial Technology (FinTech)
Field Engineering
Published In Volume 15, Issue 2, July-December 2024
Published On 2024-09-11
Cite This Beyond the Swipe: The Evolution of Contactless, Voice-Enabled, and Invisible Payments - Abhijith Vijayakumar Binsu - IJAIDR Volume 15, Issue 2, July-December 2024. DOI 10.5281/zenodo.15104229
DOI https://doi.org/10.5281/zenodo.15104229
Short DOI https://doi.org/g8972q
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