Study on the impact of digital payments on social consumption and corresponding countermeasures in the context of the intelligent economy

In the context of the rapid development of the intelligent economy driven by online consumption and consumer behavior driven by emotional value, this article investigates the role of digital currencies in society, as well as their potential risks and strategies for mitigating these risks. By synthesizing literature on digital currencies, digital payments, payment risks, and data security, this paper summarizes the current academic discourse on topics related to digital currencies and proposes new perspectives on the contributions of digital currencies to contemporary society. Meanwhile, this article also conducts an in-depth examination of potential risks and offers solutions to address existing challenges. Furthermore, the study demonstrates that the value of digital currencies and digital payments lies in their ability to enhance operational efficiency, conserve resources, improve convenience, and strengthen government oversight of capital flows. It also acknowledges that a society that fully utilizes digital currency does entail issues such as information security concerns, challenges for vulnerable groups, and irrational consumption. However, as these issues can be mitigated or even resolved, we should embrace the advent of a cashless society with a positive attitude and take proactive steps to adapt to the changing times.