Emerging Trends in Online Payment Systems: Security and Usability

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This paper examines emerging trends in online payment systems, focusing on security and usability from a commerce educator's perspective. As e-commerce grows, innovations like mobile wallets, biometric authentication, blockchain technology, and one-click payments are transforming digital transactions. These technologies enhance security and streamline user experiences but also pose challenges. Commerce educators play a vital role in equipping students with the skills to navigate these advancements. By fostering a culture of cybersecurity and entrepreneurship, we prepare future generations for a digital economy reliant on secure and efficient online payment systems.