###### Abstract  
Blockchain technology has become significant for financial sectors, especially digital payment systems, offering enhanced security, transparency, and efficiency. However, there is limited research on the factors influencing user trust in and acceptance of blockchain adoption in digital payment systems. This systematic review provides insight into the key factors impacting consumers' perceptions and behaviours towards embracing blockchain technology. A total of 1859 studies were collected, with 48 meeting the criteria for comprehensive analysis. The results showed that security, privacy, transparency, and regulation are the most significant factors influencing trust for blockchain adoption. The most influential factors identified in the Unified Theory of Acceptance and Use of Technology (UTAUT) model include performance expectancy, effort expectancy, social influence, and facilitating conditions. Incorporating a trust and acceptance model could be a viable approach to tackling obstacles and ensuring the successful integration of blockchain technology into digital payment systems. Understanding these factors is crucial for creating a favourable atmosphere for adopting blockchain technology in digital payments. User-perspective research on blockchain adoption in digital payment systems is still insufficient, and this aspect still requires further investigation. Blockchain adoption in digital payment systems has not been sufficiently conducted from the user's perspective, and there is a scope for it to be carried out. This review aims to shed light on the factors of trust in and acceptance of blockchain adoption in digital payment systems so that the full potential of blockchain technology can be realised. Understanding these factors and their intricate connections is imperative in fostering a conducive environment for the widespread acceptance of blockchain technology in digital payments. blockchain; trust; acceptance; technology acceptance model; systematic review +
Footnote †: journal: Future Internet  
paradigm shift in how we envision and utilise digital finance. As blockchain and digital payments converge, vast opportunities lie ahead, shaping a more secure, efficient, and equitable financial ecosystem for all. Despite the aspiration to revolutionise the current payment system through blockchain technology [5; 6], its implementation has remained primarily limited to cryptocurrencies such as Bitcoin and Ethereum [6]. The implementation of this idea has yet to be fully included in the existing payment systems of globally regulated and accredited institutions. Numerous financial institutions in developed nations and a limited number in developing nations have realised the need to explore the potential applications of blockchain technology inside their payment systems [7; 8]. Several banks, including United Commercial Bank Limited, Prime Bank Limited, and Standard Chartered Bank, have launched blockchain-based payment systems to offer enhanced security, improved speed, increased accessibility, and reduced transaction costs [9]. They also mention that the rapid advancement of blockchain technology necessitates understanding consumer intentions towards blockchain payment services, as there is limited empirical research on this topic. Understanding whether customers or future consumers of banks will be receptive to and prepared for technological changes is of utmost importance [10; 11; 12]. From the user's perspective, it is essential to comprehend two fundamental aspects: trust and acceptance [10; 13; 14; 15; 16] for the adoption. These elements are pivotal in establishing confidence in emerging technologies, particularly blockchain technology, and facilitating integration into digital payment systems. Adopting any innovative technology is contingent upon trust, as highlighted by [17; 18]. Trust plays a crucial role in adopting and utilising technological services [3; 19; 20; 21].