Payments research is a field that examines the various methods and systems used to exchange money between individuals, businesses, and financial institutions. This area of study delves into topics such as electronic payments, mobile payments, peer-to-peer transactions, digital wallets, blockchain technology, and the overall evolution of the payments ecosystem. Research in this area aims to understand the trends, challenges, and opportunities in the payments industry, as well as to develop new technologies and strategies to improve the efficiency, security, and convenience of payment processes.