Ashot Mardoyan V.

Digital Payments and Electronic Commerce in Transition: A Critical Review of Structural Shifts and Integration Pathways

Hayk Sargsyan A. & Ashot Mardoyan V. · Asian Journal of Economics, Business and Accounting · 2026

Retail payment systems and electronic commerce have converged over the past decade, yet the scholarly literature describing this convergence remains divided between an economics of payments concerned with instruments, rails and market structure, and a commerce literature concerne...