INTEGRATION OF DIGITAL PAYMENT SYSTEMS IN E-COMMERCE AS A KEY FACTOR OF ENTERPRISE ECONOMIC SECURITY
Abstract
The article explores the integration of digital payment systems into e-commerce as a key factor in strengthening enterprise economic security. It emphasises the strategic role that digital payments play in ensuring financial stability, reducing operational risks, and enhancing customer trust, especially for small and medium-sized enterprises (SMEs). The study synthesises current academic discourse and industry reports, focusing on the advantages of real-time transaction processing, transparency, compliance with regulatory standards, and operational efficiency. It highlights the risks associated with cybersecurity threats, platform interoperability, and legal non-compliance. Empirical insights are drawn from the integration experiences of Eastern European SMEs using platforms such as PayPal, LiqPay, and Fondy. In addition, the article examines the transformative potential of blockchain-based systems, artificial intelligence, and decentralized finance technologies in reshaping payment infrastructures. It concludes that the integration of secure and innovative digital payment systems is not merely a technological upgrade, but a strategic necessity that directly supports economic resilience and long-term competitiveness in the digital economy.
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