Future Trends in Peer-to-Peer Payments

Authors- Ardhendu Sekhar Nanda

Abstract-The emergence of peer-to-peer (P2P) payment systems has significantly transformed the way individuals and businesses transfer money, buy goods, and access financial services. These systems, driven by technological advancements, are reshaping the financial landscape by offering speed, convenience, and low-cost solutions. With growing adoption, P2P platforms like Venmo, PayPal, Cash App, and Zelle are expanding into new markets and integrating innovative technologies like blockchain, artificial intelligence (AI), and machine learning (ML). This paper explores the future trends in P2P payments, discussing the role of emerging technologies, use cases, global adoption, regulatory concerns, and the societal impact of these systems.

DOI: /10.61463/ijset.vol.12.issue6.396