Digital payments
综述了数字支付在低收入国家普及和使用不足的文献，基于交易成本指数数据库分析宏观采纳障碍和微观使用挑战，并指出未来研究方向。
Abstract Despite the rapid growth in digital payments (DP) adoption and its positive socio-economic impacts in low-income countries, a large portion of the population remains disconnected from DP. At the same time, usage of DP conditional on adoption is low, highlighting the unexplored potential for financial inclusion and economic advancement. This paper reviews the burgeoning academic literature on DP and categorizes both macro-level adoption barriers (extensive margin) and micro-level usage challenges (intensive margin). We draw on the Transaction Cost Index, a new comprehensive database encompassing 16 low-income countries, to shed light on major themes in markets for DP. We conclude by outlining potential avenues for future research in this area.