This article explores the opportunities and challenges presented by the rapidly growing digital payment system in Nepal. It highlights the increasing use of mobile and internet banking, as well as the adoption of new payment methods like QR codes and digital wallets. However, the author also cautions against the dangers of cybercrime, including data breaches, identity theft, and money laundering. The article concludes by outlining key areas for improvement, including strengthening cybersecurity measures, promoting financial literacy, and investing in digital infrastructure. Ultimately, the author advocates for a collaborative effort between the government, financial institutions, and individuals to ensure a secure and inclusive digital financial future for Nepal.

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