@article{Rehman_Afzal_2016, title={DIGITAL PAYMENTS: PROSPECTS FOR SOUTH ASIA AND PAKISTAN}, volume={5}, url={https://jcs.ndu.edu.pk/site/article/view/71}, abstractNote={<p><strong>Abstract </strong></p> <p>The study focuses on the prevailing digital payment patterns across South Asia and the trends and challenges emerging in Pakistan. Some of the crucial digital payment instruments and devices in relation to the e-commerce, m commerce environment are analysed. The ways in which South Asian businesspersons, customers and employers are replacing hard cash with digital payments are examined. Based on such analysis of trends and patterns widespread in today’s world, the article also discusses the advantages of various devices of digital payments. The paper underscores the prospects and policy recommendations of digital payment trends in Pakistan.</p>}, number={2}, journal={Journal of Contemporary Studies}, author={Rehman , Dr. Muhammad Zia and Afzal, Umara}, year={2016}, month={Feb.}, pages={52–66} }