Introduction: This article aims to determine the impact of digital payments on the development of the e-commerce industry in Poland, as well as to examine geographic differences in dominant payment methods and the impact of financial regulations on the pace and nature of payment innovation adoption, with particular emphasis on the role of instant and mobile payments in various economic systems. Material and Methods: This paper was developed using research methods such as analysis of available literature and reports on the e-commerce and digital payments industry. Results: The research shows that the e-commerce industry in Poland is developing very dynamically, especially after 2020, when the Covid-19 pandemic contributed to the increase in online shopping. A key element of this development is digital payments, which enable fast and convenient transactions. The most popular payment methods in Poland are BLIK and fast online transfers. Conclusions: In the future, we can expect even more personalized shopping experiences, including the use of biometric technologies for transaction authorization. Financial regulations influence both the pace and form of innovation: open access to data and low costs accelerate development, while security regulations increase trust and mass adoption. Coordinated systems, as in the EU, balance security and innovation, while more centralized or competitive models enable the faster expansion of new technologies.