A Bibliometric Analysis of E-Payment Systems and their Impact on Financial Inclusion

Abstract

Purpose: This study examines the role of e-payment systems in promoting financial inclusion by enhancing accessibility, affordability, and convenience in financial transactions.
Methodology/Design/Approach: A bibliometric analysis was conducted using data from Scopus and Dimensions to identify influential authors, major themes, and collaborative research trends related to e-payment systems and financial inclusion.
Findings: The findings indicate a growing scholarly interest in e-payment technologies such as mobile wallets, online banking, and contactless payments. These systems contribute significantly to financial inclusion by reducing reliance on traditional banking and enabling underserved populations to access formal financial services. However, challenges including digital literacy gaps, cybersecurity risks, and infrastructural limitations, remain critical barriers.
Implications: The study highlights the importance of supportive regulatory policies, technological innovation, and cross-sector collaboration to maximize the benefits of e-payment systems and ensure inclusive financial participation.
Originality/Value: This study provides a comprehensive bibliometric overview of e-payment systems and financial inclusion while identifying future research directions, particularly concerning AI, blockchain, and regional disparities in digital financial adoption.

JEL Classification: D14, E42, G21, L86, O16