New university student research explores the emergence and importance of digital payments in the UAE economy

The ADGM Academy Research Centre commissioned a team of university student researchers to explore the emergence and importance of digital payments in the UAE economy.  Jayaprada Putrevu and Muna Al Suwaidi from Abu Dhabi University and Salwa Al Breiki from the Abu Dhabi School of Management undertook this research as they embarked on their own exploration to understand digital payments.  In their research they provide an overview of the global landscape of digital payments as well as the UAEs journey of digital transformation.  They explore both the opportunities and challenges that a digital environment presents and define the optimal infrastructure necessary to support digital payments.  They take a close look at the role of blockchain and conclude with a six-step process for introducing a digital payments system into an economy.

The ADGM Academy Research Centre is proud to support UAE-based students and tap into fresh insights and perspectives as we continue the digital transformation of the financial sector

We thank Jayaprada, Muna and Salwa for their tireless efforts and are proud to publish this research paper on their behalf.