Abstract
Generative artificial intelligence (generative AI) has emerged as one of the most promising technologies in recent years, transforming not only sectors such as art and communication but also key areas of the financial industry (Mishra & Sharma, 2023), particularly mobile payment systems. This advanced technology leverages models like deep neural networks to generate content and make autonomous decisions, enabling the creation of personalized experiences, process optimization, and behavioral forecasting in mobile payment systems. However, the implementation of generative AI in this field presents both significant opportunities and challenges, including data privacy, security, regulatory compliance, and ethical implications. This essay explores how generative AI influences the mobile payment industry, analyzing key opportunities and challenges from the perspectives of industry and research
Keywords
Generative AI, Mobile Payments, User Personalization, Fraud Detection, Privacy and Data Protection
Recommended Citation
Liébana-Cabanillas, Francisco
(2025)
"Smart Mobile Payments: Challenges and Opportunities of Generative AI for the Future of Digital Finance,"
Management Dynamics: Vol. 25:
No.
1, Article 3:
DOI: https://doi.org/10.57198/2583-4932.1342
Available at:
https://managementdynamics.researchcommons.org/journal/vol25/iss1/3
