GSMA：2026年实现商户支付规模化之路：把握数字化机遇研究报告（英文版）

Mobile money has expanded access to digital financial services across low- and middle-income countries, yet cash continues to dominate everyday transactions, particularly for micro and small merchants. While mobile money is widely used for person-to-person transfers, the shift to digital payments for goods and services has been slower and uneven across markets.In recent years, mobile-enabled merchant payment solutions have grown in scale and sophistication, supported by the expansion of mobil