## 7 Discussion
### Strengthening Acceptance
Conversely, in the absence of trust within these pivotal domains, the study conducted by [PERSON] et al. [21] highlights that it can impede the process of acceptance and implementation. Instances of apprehension regarding the security of blockchain-based systems or scepticism regarding the veracity of transactions have the potential to dissuade users from embracing those systems. Trust forms the foundation upon which user acceptance is constructed, with users needing trust in various aspects, such as security and transparency. This trust-building process aligns with the UTAUT model, which states that performance expectancy, effort expectancy, social influence, and facilitating conditions contribute to user acceptance. Another study [3] conducted demonstrates that privacy exerts a notable impact on the perceived usefulness, thereby influencing the adoption. In addition, it is worth noting that the factors of security and privacy exert a significant and beneficial influence on the level of customer satisfaction. This, in turn, has the potential to foster increased acceptance and adoption rates. This assertion is backed by the empirical findings [9]. Blockchain technology provides a diverse array of services encompassing robust security measures, dependable performance, enhanced transparency, unalterable data integrity, and streamlined operational efficiency. According to [9], these characteristics have garnered substantial recognition and are crucial for fostering consumer loyalty. The presence of regulatory support is a contributing factor in influencing the inclination to embrace payment systems based on blockchain technology. In one study [21], the authors discovered a significant correlation between favourable conditions and the intention to adopt. Notably, regulatory support emerged as a crucial determinant within this association. Regulatory support was also found to influence and impact the enhancement of infrastructure and lead towards technology readiness [2], and it also impacted the performance expectancy [25]. In brief, the acceptance and implementation of blockchain-based digital payment systems are influenced by the interplay of trust, privacy, security, regulatory support, and the advantages inherent in blockchain technology. Security and transparency are pivotal factors influencing trust, as users need to be assured that their financial transactions are secure and transparent. Privacy considerations are recognised as a crucial dimension of trust and acceptance in the context of blockchainpayment systems, as users' confidence in the protection of their personal information significantly influences their willingness to adopt and use blockchain technology. Regulatory support is also emphasised in the UTAUT model, as favourable regulatory conditions can significantly influence users' intentions to adopt blockchain-based payment systems. The findings offer valuable insights for stakeholders involved in blockchain adoption for payments, helping policymakers design regulations that promote trust and facilitate adoption. Businesses can leverage these findings to tailor their blockchain payment systems to prioriti trust, security, transparency, privacy, and regulatory compliance, which are key determinants according to the UTAUT model. This study highlights the importance of trust in blockchain adoption. Trust is a multifaceted factor that includes aspects such as security, transparency, privacy, and regulatory compliance. The UTAUT model, a well-established framework for understanding technology adoption and usage, has the potential to be integrated with trust models, as proposed in Figure 5, by reviewing and synthesising the reviews that could provide depth and structure to the study of blockchain adoption in payment systems. **Proposition 3**. : _Trust sets the foundation for acceptance, and combining the trust and acceptance models can improve adoption efficiency.