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22 articles for “Digital payment technologies”
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Kinds of Digital Payment Technology: Exploring the Evaluation
Abstract: Digital payment technologies has revolutionized financial transactions, immolating faster, safe, and more approachable solutions. This paper inspects the evolution and types of digital payment systems, embrace Near Field Communication (NFC), Quick Response (QR) codes, mobile wallets, blockchain-based payments, and biometric authentication. It examines key drivers of adoption, such as accessible and technological advancements, while addressing threats like security risks and regulatory compliance. The study provides the role of these technologies …
Published in Journal of Telecommunication, Switching Systems and Networks · Vol. 12, Issue 1, 2025 · pp. 9–14 Read article
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Mapping the Literature on Digital Payment: A Comprehensive Review and Bibliometric Analysis
Abstract: This study essentially performs a comprehensive and in-depth analysis of the current research on digital payment systems. It examines and evaluates 346 journal papers from reliable sources like Scopus and Web of Science that were published between 2015 and 2023. The study intends to give readers a thorough grasp of the state of the art in the field of digital payments research, pinpoint new directions, and emphasize important issues. Among …
Published in International Journal of Optical Innovations & Research · Vol. 2, Issue 1, 2024 · pp. 41–59 Read article
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A Study on Perception and Behavior of Consumers Towards Digital Financial Transactions
Abstract: The rapid evolution of digital technology, coupled with increased smartphone usage and proactive governmental policies, has revolutionized the landscape of financial transactions. This study examines consumer perceptions and behavioral patterns related to digital payment systems, with a specific focus on usage trends, preferences, and concerns. Utilizing primary data collected through a structured survey of 110 respondents in North Delhi, the research reveals that digital transactions are predominantly perceived as convenient, …
Published in E-Commerce for Future & Trends · Vol. 12, Issue 2, 2025 · pp. 60–69 Read article
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Enhancing Security of UPI Payments Through Artificial Intelligence
Abstract: The integration of Artificial Intelligence (AI) into modern digital payment systems has brought about a significant transformation in the banking and financial sector. Among these systems, the Unified Payments Interface (UPI), developed by the National Payments Corporation of India (NPCI), has emerged as one of the most successful real-time payment mechanisms due to its simplicity, accessibility, and efficiency. With the incorporation of AI technologies, UPI has witnessed notable improvements in …
Published in International Journal of Mobile Computing Technology · Vol. 3, Issue 2, 2025 · pp. 7–12 Read article
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Digital Transformation in Public Transport Management
Abstract: The digital transformation of public transport systems has emerged as a critical driver for improving urban mobility and addressing the growing challenges of congestion, inefficiency, and environmental sustainability. Public transport management systems are advancing through the integration of cutting-edge technologies like cloud computing, artificial intelligence (AI), big data analytics, and the Internet of Things (IoT). These innovations enhance efficiency, intelligence, and user experience, making transportation more seamless and responsive to …
Published in Trends in Transport Engineering and Applications · Vol. 12, Issue 1, 2025 · pp. 17–21 Read article
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Cyber Movement in India: Trends and Challenges
Abstract: India’s digital transformation has led to a rapid expansion of its cyber ecosystem, making it one of the fastest-growing internet economies in the world. This digital revolution is marked by the growth of online infrastructure, a surge in internet users, and the integration of cutting-edge technologies such as AI, blockchain, and 5G. Yet, it also brings its own distinct challenges. Emerging trends such as the rise of digital payments, e-governance, …
Published in International Journal of Information Security Engineering · Vol. 3, Issue 2, 2025 · pp. 13–24 Read article
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Blockchain Technology: An Overview on Its Working Applications
Abstract: Blockchain technology is one of the enhanced technologies in this era, operating as a structural database that accumulates and stores information in discrete blocks. These blocks are interconnected, forming a chain where data is securely stored. Blockchain employs enhanced security measures to protect against tampering, manipulation, or hacking attempts. A main aspect of blockchain is its decentralized system. When a transaction occurs, approval from authorities within the business network is …
Published in Journal of Mobile Computing, Communications & Mobile Networks · Vol. 11, Issue 2, 2024 · pp. 33–39 Read article
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A Study on the Effects of the Computer Revolution in India
Abstract: There are several effects that the computer revolution has had on India, including the following: the software business has emerged as one of the most rapidly expanding in the economy, contributing to the overall expansion of the economy. The government can inform the public about its policies and work through the infrastructure of mobile telephony and information and communication technology. Online shopping is a big business today. Distribution by digital …
Published in Current Trends in Information Technology · Vol. 15, Issue 1, 2025 · pp. 33–43 Read article
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Impact of IoT in Banking Processes
Abstract: The Internet of things (IoT) represents the next phase of the digital world that is expanding rapidly and transforming the lives of customers. While the Internet does not usually extend beyond the electronic world, connected objects represent the extension of internet of things and places with the adaptations of IOT in personalized services like online banking. Contactless payment technologies are demanding convenient and personalized services in IoT base banking application …
Published in International Journal of Mobile Computing Technology · Vol. 1, Issue 1, 2023 · pp. 1–7 Read article
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Revolutionizing Financial Technology: AI and FinTech
Abstract: The ground-breaking notion of incorporating AI into financial technology by entering the market has been steadily advancing toward dominance. It has become a lever steering innovation, increasing the pace of productivity and minimizing the likelihood of risk. From digital banking to insurance and payments to compliance with regulations, AI is playing the role of a veteran guide to reinvent the old FinTech models and readdress them as a modernistic and …
Published in E-Commerce for Future & Trends · Vol. 12, Issue 3, 2025 · pp. 07–13 Read article
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A Study on the Impact of Seasonal Sales on E-Commerce Trends in India: Insights from Amazon and Flipkart
Abstract: This study investigates the growing impact of seasonal sales on e-commerce trends in India, with a particular emphasis on two leading platforms, Amazon and Flipkart. Large-scale events such as the Great Indian Festival and the Big Billion Days have become defining moments in the country’s online retail calendar, creating noticeable shifts in consumer purchasing behavior, sales volumes, and digital marketing approaches. The research examines how heavy discounts, limited-time offers, and …
Published in E-Commerce for Future & Trends · Vol. 12, Issue 3, 2025 · pp. 01–06 Read article
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Data-Driven Predictive Analytics and Decision- Making in FinTech Using MongoDB and High-Throughput Data Pipelines
Abstract: This paper examines the implementation of MongoDB and high-throughput data pipelines within the financial technology (FinTech) sector to drive data-informed predictive analytics and decision-making. The study focuses on the architectural components, scalability, and challenges of integrating NoSQL databases into real-time data ingestion and analytics pipelines. The transformative potential of these technologies in modern financial systems is highlighted through practical use cases such as fraud detection, credit scoring, and personalized financial …
Published in International Journal of Algorithms Design and Analysis Review · Vol. 3, Issue 1, 2025 · pp. 1–15 Read article
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AI and E-Commerce in the Sultanate of Oman and its Prospects
Abstract: In line with the Sultanate of Oman's strategic vision for 2040, there has been a notable surge in prioritizing information and communication technology. Emphasizing the imperative of digital transformation, this vision underscores the necessity for both public and private institutions to continually evolve and enhance their administrative functions and services. Digital transformation extends beyond mere technological integration, presenting a holistic organizational restructuring, encompassing internal operations to public service delivery. A …
Published in E-Commerce for Future & Trends · Vol. 11, Issue 1, 2024 · pp. 23–29 Read article
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Mobile Technologies and Library
Abstract: Mobile technology has significantly transformed the landscape of library services by enhancing accessibility, operational efficiency, and user engagement. With the widespread adoption of smartphones and tablets, libraries have rapidly evolved to offer mobile-friendly services that cater to the needs of modern users. These services include mobile access to online catalogues, digital lending platforms, virtual reference services, and remote access to e-books, academic journals, and research databases. By leveraging mobile applications, …
Published in Journal of Advancements in Library Sciences · Vol. 12, Issue 2, 2025 · pp. 27–30 Read article
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Medicine and Femmecare Sanitary Napkins Vending Machine
Abstract: Access to affordable sanitary napkins and essential medicines in rural areas of India remains a significant challenge. This paper presents an innovative vending machine designed for rural areas to provide essential sanitary napkins and medicines, aiming to enhance public health and welfare. The vending machine addresses menstrual hygiene by offering free sanitary napkins to registered women via a unique QR code system, leveraging Raspberry Pi technology and a Pi camera. …
Published in Journal of Microelectronics and Solid State Devices · Vol. 11, Issue 1, 2024 · pp. 22–29 Read article
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Assessing Digital Literacy among the Oraon Tribe of Jharkhand: A Study
Abstract: Digital literacy is essential for inclusion and socioeconomic empowerment in the digital era. This study examines the digital literacy levels of the Oraon tribe in Jharkhand, with a focus on identifying skill gaps, demographic disparities, and barriers to digital access. A mixed-methods approach was employed to gather data from respondents in the Ranchi district, utilizing structured questionnaires and interviews. Male respondents made up the majority (61.5%), with the largest age …
Published in Recent Trends in Social Studies · Vol. 3, Issue 1, 2026 · pp. 06–12 Read article
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Cyber Security Challenges in Developing Countries: A Special Reference to Afghanistan
Abstract: This review paper explores the widespread cybersecurity challenges encountered by developing countries, specifically concentrating on Afghanistan during the period from 2020 to 2024. The study highlights the significant gaps in cybersecurity capabilities, infrastructure, and regulatory frameworks that exacerbate the vulnerability of these nations to cyber threats. Key findings include the lack of basic legal frameworks for countering cybercrime, with only a minority of African states, and presumably other developing regions …
Published in International Journal of Information Security Engineering · Vol. 3, Issue 1, 2025 · pp. 1–6 Read article
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The Futuristic Outlook of E-Commerce in India
Abstract: In the past ten years, India has witnessed extraordinary growth in e-commerce, which can be attributed to the proliferation of smartphones, the growing middle class, and the increasing number of people who have access to the internet. The retail scene has been revolutionized by major firms such as Amazon and Flipkart, as well as growing local platforms, which offer a diverse range of items and services. A further acceleration of …
Published in E-Commerce for Future & Trends · Vol. 11, Issue 3, 2024 · pp. 1–10 Read article
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Impact of Demonetization on Banks: Study on NPA of Public Sector Banks in Context with How to Stabilize NPA
Abstract: The banking sector is the pillar of the economy but now it has become the complete foundation of it. Business industries are developing, and the banking sector also benefits by expanding its activities. Other banking services charges are the medium of generating opportunity to getting more non fund base income. Nowadays banking sector has taken advantages of new technology for providing better services to their customers with less charges. Traditional …
Published in E-Commerce for Future & Trends · Vol. 11, Issue 2, 2024 · pp. 29–33 Read article
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Indian Entrepreneurs' Role in E-Commerce
Abstract: The e-commerce industry in India has experienced unprecedented growth as a result of the rapid penetration of the internet, the availability of affordable telephones, and the shifting behaviors of consumers. Using technology, ingenuity, and locally tailored solutions, Indian businesspeople have been at the forefront of this transformation, which has enabled them to serve a massive and varied market. An examination of the ways in which Indian e-commerce firms have triumphed …
Published in E-Commerce for Future & Trends · Vol. 12, Issue 2, 2025 · pp. 01–15 Read article