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Digitalization is a key driver of rapid development, transformation, and evolution, expanding the scope of transactions, improving efficiency, and having a strong impact on global economic growth. Technological progress is continuous, the Internet is widespread, and investments in technology have become a major trend in company development. Amid worsening macroeconomic indicators caused by geopolitical tensions and rising prices in sectors such as agriculture and energy, interest rate hikes have led to increased bank lending costs.
This situation affects both the disposable income of the population and consumer behavior on e-commerce platforms, putting pressure on their commercial strategies. This article investigates the impact of interest rate developments on the dynamics of e-commerce platforms in the post-pandemic period, in the context of an economic environment marked by inflation and decreasing purchasing power. The study also examines the implications of rising interest rates on household debt levels and financial stability, as well as how these economic changes influence consumer behavior and the development of e-commerce platforms.
The research methodology is based on a detailed literature review, combined with statistical analysis of data related to interest rate trends and consumer behavior on e-commerce platforms. At the same time, the study analyzes the strategies adopted by platforms to face new economic challenges, such as price adjustments and the adoption of innovative technologies to attract and retain consumers.
In addition, the influence of technological innovation on these platforms is assessed, along with their ability to provide fast and efficient solutions to meet ever-changing consumer demands. In conclusion, the study highlights the evolution of e-commerce platforms in terms of adopting strategies to respond efficiently to the challenges posed by rising interest rates and macroeconomic pressures. With globalization, e-commerce has become essential to business strategies, enhancing competitiveness through technology, increased productivity, and cost reduction.
