Meios de pagamentos eletrônicos e digitais, a inovação no mercado de pagamentos: como esses novos sistemas estão mudando a dinâmica tradicional de pagamentos e recebimentos, oferecendo soluções mais eficientes e convenientes para consumidores e empresas

Abstract

This study analyzes the global economic impact of digital payments, highlighting economic efficiency, financial inclusion, and environmental sustainability. The digitization of payments, exemplified by the introduction of PIX in Brazil, is transforming how financial transactions are conducted, offering significant benefits in terms of speed, security, and accessibility. The analysis discusses how these technological innovations are promoting the inclusion of previously unbanked populations into the formal financial system, enhancing competitiveness, and encouraging more sustainable business practices. The research, based on a detailed bibliographic review, identifies both the opportunities and challenges associated with the widespread adoption of digital payments, emphasizing the need for a balanced approach that fosters innovation while ensuring consumer safety and protection.