Abstract
Abstract: Digital payment systems that incorporate augmented reality (AR) and virtual reality (VR) technologies have the potential to completely transform the retail shopping experience. With the increasing demands of consumers for more personalized and immersive interactions, these emerging technologies present creative ways to improve user engagement and promote the use of digital payment methods. This study examines how AR and VR are vital to the advancement of digital payments, emphasizing how they can change conventional retail payment procedures and produce engaging, user-centered experiences
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