The adoption of digital payments is accelerating rapidly in the Philippines, driven by regulatory efforts and growing digital literacy. With the Bangko Sentral ng Pilipinas (BSP) releasing updated guidelines to improve merchant payment systems, the focus has shifted toward building trust and enhancing security. These new rules require businesses to implement stronger risk management practices and comply with recognized industry standards, ultimately aiming to create a safer environment for both consumers and merchants.
As digital transactions become more common, ensuring user confidence is essential. The BSP’s initiatives are designed to address security concerns, protect against fraud, and foster consumer trust in digital payment platforms. By strengthening protection mechanisms, the Philippines aims to accelerate the shift from cash-based to digital financial services, fueling the expansion of e-commerce and empowering more people to participate confidently in the digital economy.
Who Can Use These Topics?
These research topics are ideal for students and professionals pursuing:
College Programs:
BS in Financial Technology (FinTech)
BS in Information Technology
BS in Business Administration major in Financial Management
BS in Cybersecurity
BS in Banking and Finance
BS in Management Information Systems
BS in Economics
Senior High School Strands:
Accountancy, Business, and Management (ABM)
Science, Technology, Engineering, and Mathematics (STEM)
General Academic Strand (GAS)
Why This Topic Needs Research
Researching trust and security in digital payment adoption is crucial due to the following gaps identified in recent studies:
Emergence of New Trust-Building Technologies: While perceived security and consumer education are key drivers, future studies must explore the growing role of biometrics, blockchain, and AI in influencing trust dynamics (Joshi, 2025).
Longitudinal and Cross-Cultural Trust Dynamics: Although trust has been integrated into models like TAM and TPB, more research is needed to understand how trust evolves over time and across different financial ecosystems (Linh & Huyen, 2025).
Industry-Specific Blockchain Adoption: While blockchain has enhanced trust in tourism-related payments, its role across other industries and technological ecosystems requires deeper investigation (Rodríguez Bolívar et al., 2025).
Cyber Threat Evolution and Demographic Differences: Studies validated security and risk as adoption factors, but there is a need to assess how evolving cyber threats and demographic factors interact over time (Apau et al., 2025).
Operational Challenges in Digital Payments: Current research has shown that perceived usefulness and security matter, but specific operational issues like dispute resolution and offline support mechanisms remain underexplored (Ali, 2024).
Technology-Specific Trust Factors in SMEs: While general drivers are known, a clearer understanding of how internal technological capabilities, employee training, and external support systems affect trust among SMEs is needed (Hernandez et al., 2022).
Beyond Satisfaction in Trust Building: Although user satisfaction plays a role in continuance intention, there is a need to explore other psychological and technological antecedents to fully explain sustained trust and digital payment adoption (Sanchez & Tanpoco, 2023).
Feasibility & Challenges by Target Group
Get Your Customized Thesis Title
Finding a well-structured quantitative research topic can be challenging, but I am here to assist you.
✔ Expertly Curated Topics – Not AI-generated, but carefully developed based on existing academic studies and research trends.
✔ Comprehensive Research Support – Includes a research-based paper and reliable survey questionnaire sources to strengthen your study.
✔ Personalized for Your Field – Get a thesis title tailored to your academic requirements and research interests.
Looking for a research title designed specifically for you? Secure your exclusive thesis title today!
Prefer video content? Subscribe to my YouTube Channel for expert insights on research topics, methodologies, and academic writing strategies.
References
Ali, A. O. (2024). THE PAYMENTS SECURITY AND CONVENIENCE ON CONSUMER OF MOBILE PAYMENTS IN BAGUIO CITY, PHILIPPINES. European Journal of Management and Marketing Studies, 9(3).
Apau, R., Titis, E., & Lallie, H. S. (2025). Towards a Better Understanding of Mobile Banking App Adoption and Use: Integrating Security, Risk, and Trust into UTAUT2. Computers, 14(4), 144.
Hernandez, A. A., Juanatas, R. A., Escolano, V. J. C., & Elvambuena, M. D. E. (2022, May). Mobile payments adoption in small and medium retail enterprises: An exploratory study in Manila, Philippines. In 2022 7th International Conference on Business and Industrial Research (ICBIR) (pp. 237-242). IEEE.
Joshi, M. S. J. M. S. (2025). Digital Payment Systems: Enhancing Consumer Trust and Adoption. Scholar’s Digest: Journal of Commerce & Management, 1(1), 75-83.
Linh, T. T., & Huyen, N. T. T. (2025). An extension of Trust and TAM model with TPB in the adoption of digital payment: An empirical study in Vietnam. F1000Research, 14, 127.
Rodríguez Bolívar, M. P., Sepe, F., Nanu, L., & Roberto, F. (2025). Perceptions and challenges of blockchain adoption in tourism industry: a study on trust, privacy and security. Journal of Hospitality and Tourism Technology, 16(3), 429-449.
Sanchez, J. A. R., & Tanpoco, M. (2023). Continuance intention of mobile wallet usage in the Philippines: A mediation analysis. Review of Integrative Business and Economics Research, 12(3), 128-142.