Mobile payments makeup one of the fastest-growing mobile services available today and are widely used by smartphones for utility payments, bill payments, and online shopping, among other applications. Mobile payments are playing a vital role in the fast growth of online markets and are revolutionizing the supply chain of businesses and industries. Mobile payments are becoming dominant compared to conventional off-line mode payment channels and online e-channels such as ATM, e-cheque, and e-card payments. The success of e-business depends on several factors, including the type of mobile payment channel used, the associated security infrastructure, the stakeholders involved, and the m-business models adopted. In this paper, we present a systematic literature review (SLR) of mobile payments and characterize the state-of-the-art research conducted in this area, covering articles published during the past two decades, from 2000 to 2020. Following the SLR process, we examined over 350 research papers with a comprehensive and detailed inspection of the mobile payment domain’s literature. Based on the analysis, we present the trends, patterns, new technologies, innovations, gaps in the existing literature, and critical challenges. The recommendations given will help identify the primary areas requiring advancement in future research on mobile payment systems.

移动支付是当今增长最快的移动服务之一，被智能手机广泛用于公用事业支付、账单支付和在线购物等应用程序。移动支付在在线市场的快速增长中发挥着至关重要的作用，并正在彻底改变企业和行业的供应链。与传统的离线模式支付渠道和在线电子渠道（如 ATM、电子支票和电子卡支付）相比，移动支付正在成为主导。电子商务的成功取决于几个因素，包括所使用的移动支付渠道的类型、相关的安全基础设施、所涉及的利益相关者以及采用的移动商业模式。在本文中，我们提供了移动支付的系统文献综述 (SLR)，并描述了在该领域进行的最先进研究，涵盖了过去 20 年（2000 年至 2020 年）发表的文章。在 SLR 过程之后，我们检查了350 篇研究论文，对移动支付领域的文献进行了全面详细的检查。基于分析，我们介绍了现有文献中的趋势、模式、新技术、创新、差距和关键挑战。给出的建议将有助于确定在未来移动支付系统研究中需要推进的主要领域。我们审查了 350 多篇研究论文，并对移动支付领域的文献进行了全面而详细的检查。基于分析，我们介绍了现有文献中的趋势、模式、新技术、创新、差距和关键挑战。给出的建议将有助于确定在未来移动支付系统研究中需要推进的主要领域。我们审查了 350 多篇研究论文，并对移动支付领域的文献进行了全面而详细的检查。基于分析，我们介绍了现有文献中的趋势、模式、新技术、创新、差距和关键挑战。给出的建议将有助于确定在未来移动支付系统研究中需要推进的主要领域。