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8 articles for “digital payments”
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Digital Payments as a Driver of Sustainable Consumption: A Consumer-Based Study of Perceived Challenges and Opportunities in FinTech Ecosystems
Abstract: The Digital Payment Systems evolved remarkably fast, and so, have transformed the way in which the consumer makes purchases for products and services as well as the way in which they function economically, i.e., how they consume things. Beyond convenience and efficiency, digital payments are increasingly viewed as a potential driver of sustainable consumption by reducing cash dependency, improving transaction transparency, and supporting responsible spending practices. This study examines digital …
Published in International Journal of Optical Innovations & Research · Vol. 4, Issue 1, 2026 · pp. 1–12 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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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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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 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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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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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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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