Integracja systemów płatniczych w IoE oraz metaverse - wyzwania i przyszłość e-commerce w wirtualnym świecie

• Autorzy: Paweł Kuraś , Patryk Organiściak , Bartosz Kowal , Dominik Strzałka , Krzysztof Demidowski

Warianty tytułu

Integration of payment systems in the metaverse - challenges and the future of e-commerce in the virtual world

• Języki publikacji: PL

Abstrakty

W erze rozwijającego się metaverse integracja systemów płatniczych staje się kluczowym elementem umożliwiającym płynne i bezpieczne transakcje w wirtualnych środowiskach. Prezentowany artykuł skupia się na analizie obecnych rozwiązań płatniczych w metawersum, wyzwaniach w ich obszarze oraz na perspektywach na przyszłość. W pierwszej części opracowania omówiono istniejące systemy płatnicze dostępne w metarzeczywistości, w tym kryptowaluty, tokeny oraz tradycyjne metody płatności. Podkreślono ich wpływ na dynamikę transakcji oraz na postrzeganie wartości w wirtualnym świecie. Następnie przedstawiono główne wyzwania związane z integracją tych systemów, takie jak bezpieczeństwo danych, weryfikacja tożsamości, skomplikowane procesy wymiany walut (kryptowalut oraz tradycyjnych) oraz problemy z interoperacyjnością między różnymi wirtualnymi środowiskami. W końcowej części artykułu skupiono się na przyszłości e-commerce w metaverse. Rozważono, jakie innowacje technologiczne mogą wpłynąć na kształt i charakter handlu w wirtualnym świecie oraz jakie możliwości stoją przed przedsiębiorcami i deweloperami w kontekście tworzenia nowych modeli biznesowych. Wnioski z publikacji podkreślają znaczenie odpowiedniej integracji systemów płatniczych w metaverse dla osiągnięcia trwałego i zrównoważonego rozwoju e-commerce w wirtualnych środowiskach. Zauważono potrzebę dalszych badań i innowacji w tej dziedzinie, aby sprostać rosnącym oczekiwaniom użytkowników i zapewnić im bezpieczne i wydajne metody płatności.(abstrakt oryginalny)

EN

In the era of the burgeoning metaverse, integration of payment systems is becoming a key element to enable seamless and secure transactions in virtual environments. This paper focuses on an analysis of current payment solutions in the metaverse, as well as their challenges and future prospects. The first part of the paper discusses existing payment systems available in the metaverse, including cryptocurrencies, tokens and traditional payment methods, highlighting their impact on transaction dynamics and the perception of value in the virtual world. The main challenges of integrating these systems are then presented, such as data security, identity verification, complex processes for exchanging currencies (crypto and traditional), and interoperability issues between different virtual environments. In the final part of the paper we focus on the future of e-commerce in the metaverse, considering what technological innovations may affect the shape and nature of commerce in the virtual world, and what opportunities lie ahead for entrepreneurs and developers in terms of creating new business models. The conclusions of this publication highlight the importance of proper integration of payment systems in the metaverse for achieving sustainable and balanced e-commerce development in virtual environments, as well as underscoring the need for further research and innovation in this field to meet users' growing expectations and provide them with secure and efficient payment method(original abstract)

Słowa kluczowe

PL

Handel elektroniczny; Elektroniczne instrumenty płatnicze; System płatności; Metaświat

EN

e-commerce; Electronic payment instruments; Payment system; Metaverse

• Czasopismo: e-mentor
• Rocznik: 2024
• Numer: nr 1
• Strony: 73--85

Twórcy

autor

Paweł Kuraś

• Politechnika Rzeszowska

autor

Patryk Organiściak

• Politechnika Rzeszowska

autor

Bartosz Kowal

• Politechnika Rzeszowska

autor

Dominik Strzałka

• Politechnika Rzeszowska

autor

Krzysztof Demidowski

• Politechnika Rzeszowska

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DOI

https://doi.org/10.15219/em103.1650