id	keyword
issue-1691	payment
issue-1691	eps
issue-1691	development
issue-1691	fintech
issue-1691	services
issue-1691	effectiveness
issue-1691	systems
issue-1691	economy
issue-1691	delivery
issue-1691	business
issue-1691	technologies
issue-1691	payment systems
issue-1691	innovations
issue-1691	areas
issue-1691	doi