Research on Secure Digital Payment Strategy: Challenge and Trend Analysis

Abstract

In the era of digital economy, with the rapid development of financial technology and the continuous innovation of payment methods, the application scenarios of digital payment are also expanding, and gradually become a part of users life. This paper analyzes the security digital payment strategy from the aspects of payment scenario, payment method, and payment innovation, and discusses the challenges
of secure digital payment. At present, there are many challenges in secure digital payment: first, users are faced with multiple authentication
and information protection; second, the platform is faced with data security and privacy protection; third, third-party platforms are faced with
regulatory compliance and compliance issues. There will be more policy support to strengthening data governance and compliance; in technology, there will be more innovative applications and developments in the future. Secure digital payment is an inevitable requirement for the
development of the digital economy, which will promote fintech to better serve the real economy.