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Payments are the transfer of money between two parties in exchange for goods, services, or to settle obligations. They can be made through various online and offline methods like cash, cards, bank transfers, mobile wallets, or digital currencies. Payments are foundational to the fintech industry. They represent the most frequent and essential financial interaction between individuals, businesses, and institutions. In fintech, innovations in payments focus on making transactions faster, affordable, more secure, and inclusive. These money transfers are often the entry point for broader digital financial services, such as lending, insurance, or investment, and play a key role in driving financial inclusion and global commerce.