Mobile payment apps are digital applications that allow users to make financial transactions using their smartphones or tablets. These apps enable users to pay for goods and services, transfer money to friends or family, and manage their finances without needing cash or physical credit cards. Popular examples include PayPal, Venmo, and Apple Pay. To use a mobile payment app, users typically link their bank accounts or credit cards to the app. Transactions are secured through encryption and often require authentication, such as a fingerprint or password. This technology has made shopping and money management more convenient and accessible for many people.