数字支付对普惠金融的应用与挑战

The Application and Challenges of Digital Payment in Inclusive Finance

摘要: 本文探讨了数字支付在普惠金融领域的应用与挑战。研究指出，尽管数字支付在一定程度上拓展了金融服务的覆盖范围，但仍面临技术普及与基础设施建设、支付安全性、隐私保护与社会信任、法律法规与监管滞后、技术更新与用户多样性等挑战。因此，本文提出推动技术普及，完善基础设施、加强信息保护，实现信息共享、完善政策法规，提升监管安全、优化支付系统，满足客户需求等策略，以提高数字支付在普惠金融领域的可持续性。

Abstract: This article explores the application and challenges of digital payment in the field of inclusive finance. Research indicates that although digital payment has expanded the coverage of financial services to a certain extent, it still faces challenges such as the popularization of technology and infrastructure construction, payment security, privacy protection and social trust, lagging laws, regulations and supervision, technological updates and user diversity. Therefore, this paper proposes strategies such as promoting technology popularization, improving infrastructure, strengthening information protection, achieving information sharing, perfecting policies and regulations, enhancing regulatory security, optimizing payment systems, and meeting customer demands, in order to increase the sustainability of digital payment in the field of inclusive finance.