This chapter, “Research prospect of e-commerce and financial payment,” explores future trends and challenges in the field, focusing on opportunities driven by technological innovations and the evolving international environment. The chapter begins by discussing advancements such as mobile payments, digital wallets, cross-border electronic payments, blockchain technology, artificial intelligence, and augmented and virtual reality. It also addresses the challenges posed by the changing international landscape, including environmental issues, and suggests countermeasures. The chapter further examines new opportunities arising from digitalization, including globalization, market expansion, personalization, customer experience innovation, and payment technology development. It concludes with an analysis of digital trade in new e-commerce forms and the development of e-commerce and financial payments in China, highlighting the global impact of the Chinese model.