The digitalisation of payments is a major trend in passenger transport, and is very often seen as a condition for improving the efficiency of the services provided. The technology used for digital payments in passenger transport is constantly evolving. As in other areas, mobile technology is currently developing the most dynamically. This paper presents the rationale for the development of digital payments in passenger transport, and identifies various factors influencing the level of digital ticketing and payments in this sector. The study uses a macroeconomic approach and was carried out on a macro scale using aggregated data for European Union countries. Using the multiple linear regression method, the factors influencing digital payments in passenger transport were determined. The results obtained show that the level of digital payments in passenger transport depends on the degree of mobile device usage for accessing the internet on the move, as well as the level of financial inclusion provided through electronic banking services. The results of this study offer several important implications for the academic body of knowledge and for business practice, as well as indicating directions for future studies in this field.

支付数字化是客运的一个主要趋势，通常被视为提高所提供服务效率的条件。用于客运数字支付的技术在不断发展。与其他领域一样，移动技术目前发展最为活跃。本文介绍了客运数字支付发展的基本原理，并确定了影响该行业数字票务和支付水平的各种因素。该研究使用宏观经济方法，并使用欧盟国家的汇总数据在宏观范围内进行。采用多元线性回归方法，确定了影响客运数字支付的因素。获得的结果表明，客运数字支付水平取决于移动设备使用移动设备访问互联网的程度，以及通过电子银行服务提供的金融包容性水平。本研究的结果为学术知识体系和商业实践提供了几个重要的意义，并指明了该领域未来研究的方向。