Proceedings of the International Conference on Law and Technology (ICLT 2025)

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Analysis of Digital Trade Focusing on Payment Banks

Authors
K. S. Rashmi1, Shaista Waheed2, Shabana Parveen3, *
1Assistant Professor, MANUU Law School, Hyderabad, Telangana, India
2Faculty of Life Science, Aligarh Muslim University, Aligarh, 202001, Uttar Pradesh, India
3Ph.D. Research Scholar, MANUU Law School, Hyderabad, Telangana, India
*Corresponding author. Email: shabana.vaniya@gmail.com
Corresponding Author
Shabana Parveen
Available Online 26 December 2025.
DOI
10.2991/978-2-38476-515-7_18How to use a DOI?
Keywords
Digital trade; Payment banks; financial inclusion; regulatory challenges; international law
Abstract

The rise of digital technology has completely changed global trade which is representing both exclusive economic opportunity and the composite regulatory challenges. Payment banks are critical to this new system. Payment banks help to make online businesses safer and much easier to access which is especially important for financial inclusions in developing countries. Though their worldwide development is self-conscious by a chaotic international global framework of unequal legal backgrounds, compliance ethics and data privacy regulations.

This research considers an analytical policy technique to examine the legal structure which is mainly governing digital commerce. By investigative models like India’s Unified Payments Interface (UPI) and Kenya’s M-Pesa. The research discovers the collaboration between technical discovery and helpful statutory directives. There is a framework for example the GDPR arise but still the presence of a unified global standard for digital payments main problem. This research advocates for powerful international cooperation to match legal standards. This research suggests worldwide for the uniform data protection procedures to foster a secure, transparent and equitable global digital marketplace.

Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the International Conference on Law and Technology (ICLT 2025)
Series
Advances in Social Science, Education and Humanities Research
Publication Date
26 December 2025
ISBN
978-2-38476-515-7
ISSN
2352-5398
DOI
10.2991/978-2-38476-515-7_18How to use a DOI?
Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - K. S. Rashmi
AU  - Shaista Waheed
AU  - Shabana Parveen
PY  - 2025
DA  - 2025/12/26
TI  - Analysis of Digital Trade Focusing on Payment Banks
BT  - Proceedings of the International Conference on Law and Technology (ICLT 2025)
PB  - Atlantis Press
SP  - 194
EP  - 205
SN  - 2352-5398
UR  - https://doi.org/10.2991/978-2-38476-515-7_18
DO  - 10.2991/978-2-38476-515-7_18
ID  - Rashmi2025
ER  -