E-Commerce Finance: Technologies, Models, and the Future of Digital Payment

Dear Colleagues,

E-commerce finance is rapidly evolving, driven by technological advances, changing consumer preferences, and the need for greater efficiency and security. It is characterized by a strong interdisciplinary approach that combines research areas such as finance, information systems, computer science, economics, and consumer behavior. Financial services are becoming more accessible to consumers as alternative payment methods such as digital wallets, real-time payment networks, and local payment solutions begin to replace traditional payment methods, while flexible payment options and the emergence of a new, convenient way to make digital payments continue to gain ground. Open banking is challenging traditional banks by offering customers innovative and personalized services, while cryptocurrency payments are being explored, especially for niche products. Currently, optimal working capital and liquidity management in online commerce has become a critical issue due to rapidly changing inventory levels, the availability of different payment methods with different settlement times, and the need for ongoing investment. Artificial intelligence and machine learning are becoming an integral part of e-commerce operations management, as they allow for the analysis of consumer behavior, prediction of purchasing habits, and improvement of e-commerce operational efficiency.

This Special Issue encourages papers examining, but not limited to, the following topics:

• The Interplay of e-commerce, digital finance, and financial inclusion;
• Embedded finance in e-commerce;
• Supply chain finance in the digital age;
• The impact of emerging technologies on e-commerce payments and security;
• AI and machine learning for fraud detection;
• Financial performance and business models in e-commerce;
• Consumer behavior and payment preferences;
• Cybersecurity and data privacy;
• Financial risk management in e-commerce;
• Optimized working capital and cash management.

We look forward to your contributions.

Dr. Razvan Dina
Prof. Dr. Irina Albastroiu Nastase
Guest Editors

Manuscript Submission Information

Manuscripts should be submitted online at www.mdpi.com by registering and logging in to this website. Once you are registered, click here to go to the submission form. Manuscripts can be submitted until the deadline. All submissions that pass pre-check are peer-reviewed. Accepted papers will be published continuously in the journal (as soon as accepted) and will be listed together on the special issue website. Research articles, review articles as well as short communications are invited. For planned papers, a title and short abstract (about 100 words) can be sent to the Editorial Office for announcement on this website.

Submitted manuscripts should not have been published previously, nor be under consideration for publication elsewhere (except conference proceedings papers). All manuscripts are thoroughly refereed through a single-blind peer-review process. A guide for authors and other relevant information for submission of manuscripts is available on the Instructions for Authors page. Journal of Risk and Financial Management is an international peer-reviewed open access monthly journal published by MDPI.

Please visit the Instructions for Authors page before submitting a manuscript. The Article Processing Charge (APC) for publication in this open access journal is 1400 CHF (Swiss Francs). Submitted papers should be well formatted and use good English. Authors may use MDPI's English editing service prior to publication or during author revisions.

• financial services
• e-commerce
• open banking
• optimal working capital and liquidity management
• artificial intelligence
• cryptocurrency
• cybersecurity