Systematic review of a business model using blockchain technology for the use of digital money in mass centers

Abstract

In recent years, commercial transactions have experienced a radical change in the way goods and services are purchased. Payments with electronic and digital money are increasing dramatically compared to payments with physical money. Likewise, money using blockchain technology is marking disruptive milestones in transactions, especially in cross-border payments, showing many benefits, such as speed, lower costs, and security. The COVID-19 pandemic has shown the entire world the potential and possible development horizon of digital money, especially cryptoassets, in commercial transactions, as well as the risks associated with this technology. This has exposed the problem and need for a commercial model with blockchain technology for use in mass centers, which allows for the widespread and democratization of blockchain technology in mass commercial transactions. The methodology used is PRISMA. The objective of this article is to conduct a systematic review of the literature on digital money with blockchain technology for use in mass marketing centers. Finally, the results are presented, where the commercial model based on blockchain must consider security criteria, technology, legal aspects, and sociocultural barriers. Incorporate the interaction between electronic money, central bank digital currencies (CBDCs), and cryptoassets, as well as a decentralized technological platform for direct digital commerce. This implies that the model must consider these criteria in its design, implementation process, and the platform it supports.