Consumer Trust and Adoption of Digital Payment Systems in Emerging Markets Cover

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Consumer Trust and Adoption of Digital Payment Systems in Emerging Markets

Business Systems Research Journal

By: Adelina Emini, Hrvoje Budić and Hrvoje Volarević

Open Access

|Dec 2025

Authors

Adelina Emini

adelinaemini@gmail.com

Faculty of Economics, University of Prishtina, Kosovo

Hrvoje Budić

The Faculty of Tourism and Rural Development in Požega, University of Osijek, Croatia

Hrvoje Volarević

hrvoje.volarevic@hnb.hr

Croatian National Bank, Croatia

DOI: https://doi.org/10.2478/bsrj-2026-0001 | Journal eISSN: 1847-9375 | Journal ISSN: 1847-8344

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Language: English

Submitted on: Oct 5, 2025

|

Accepted on: Nov 24, 2025

|

Published on: Dec 18, 2025

Published by: IRENET - Society for Advancing Innovation and Research in Economy

In partnership with: Paradigm Publishing Services

Publication frequency: 2 issues per year

Keywords:

Digital payments,

Consumer trust,

Financial inclusion,

Structural equation modelling (SEM)

Related subjects:

Business and economics,

Business management,

Management, organization, corporate governance,

Business management, other,

Mathematics and statistics for economists,

© 2025 Adelina Emini, Hrvoje Budić, Hrvoje Volarević, published by IRENET - Society for Advancing Innovation and Research in Economy
This work is licensed under the Creative Commons Attribution 4.0 License.