In the current globalized world, digital payment is no longer a hypothesis of the future—it already exists and is rapidly becoming the de facto standard across the globe on a daily basis. Driven by the growth of smartphones, fintech developments, and internet penetration, digital payment channels are rapidly replacing cash and card systems at a record pace. As we move into 2025, this revolution accelerates, reshaping economies, rewriting customer behavior, and creating new opportunities in financial technology.