31. References

[1] Mastercard Services. State of Global Payments: Six Trends Shaping the Industry. Available at: https://www.mastercardservices.com/en/advisors/payments-consulting/insi ghts/state-global-payments-six-trends-shaping-industry. [Accessed on: 20 November 2024] [2] PayPal. 8 Payment Technology Trends 2024. Available at: https://www.paypal.com/us/brc/article/8-payment-technology-trends-2024. [Accessed on: 20 November 2024]

[3] McKinsey & Company. Global Payments in 2024: Simpler Interfaces, Complex Reality. Available at: https://www.mckinsey.com/industries/financial-services/our-insights/globa l-payments-in-2024-simpler-interfaces-complex-reality. [Accessed on: 21 November 2024]

[4] McKinsey & Company. State of Consumer Digital Payments in 2024. Available at: https://www.mckinsey.com/industries/financial-services/our-insights/banki ng-matters/state-of-consumer-digital-payments-in-2024. [Accessed on: 22 November 2024]

[5] Statista. Share of Global Payments by Currency (2024). Available at: https://www.statista.com/statistics/1189498/share-of-global-payments-by-c urrency/. [Accessed on: 22 November 2024]

[6] Capgemini. World Payments Report 2024. Available at: https://www.capgemini.com/insights/research-library/world-payments-rep ort/. [Accessed on: 22 November 2024]

[7] J.P. Morgan. Payments Are Eating the World. Available at: https://www.jpmorgan.com/content/dam/jpm/treasury-services/documents /jpm-payments-are-eating-the-world.pdf. [Accessed on: 21 November 2024]

[8] Deloitte. Shaping the Future of Payments: Trends and Insights for 2025. Available at: https://www2.deloitte.com/content/dam/Deloitte/us/Documents/financial-s ervices/us-shaping-the-future-of-payments-trends-and-insights for-2025.pdf. [Accessed on: 22 November 2024]

[9] Worldpay. Global Payments Report 2024. Available at: https://worldpay.globalpaymentsreport.com/en. [Accessed on: 22 November 2024