International Journal of Scientific Research and Engineering Development

The rapid evolution of digital technologies has significantly transformed global payment systems, with crypto currency emerging as a disruptive alternative to traditional financial mechanisms. This study aims to compare crypto currency and traditional payment systems with a specific focus on transaction speed, cost, security, crossborder efficiency, and financial inclusion inemerging economies. Crypto currencies, built on block chain technology, offer decentralized, transparent, and low-cost payment solutions that can potentially address limitations faced by conventional banking systems, particularly for unbanked and under banked populations. The research employs a structured questionnaire to collect primary data from users of digital payment systems, analyzing their perceptions and usage patterns. The findings highlight that crypto currency payments are perceived as faster and more cost-effective for international transactions, while traditional payment systems are considered more reliable due to regulatory oversight and consumer protection mechanisms. The study concludes that although crypto currencies present strong opportunities for enhancing financial inclusion, challenges such as security concerns, regulatory uncertainty, and limited awareness hinder widespread adoption in emerging economies.

Ms.Jayalakshmi B, Mr.Thirumurugan G,"To Study the Impact of Crypto Currency on Financial Inclusion in Emerging Trends, Coimbatore" International Journal of Scientific Research and Engineering Development, V9(1): Page(1833-1837) Jan-Feb 2026. ISSN: 2581-7175. www.ijsred.com. Published by Scientific and Academic Research Publishing.