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85 articles for “e-payments”
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The Evolution of Payments: Traditional Bill Methods Compared to Mobile Innovations
Abstract: "Mobile Payment Experiences in the Future" explores the transformative impact of emerging technologies: Artificial Intelligence (AI), 5G connectivity, and biometrics, on the evolution of mobile payment systems, moving beyond today's simple "tap and pay" solutions. As mobile payments become an essential component of global commerce, these innovations are set to redefine the payment landscape by enhancing transaction speed, security, and personalization. AI will enable real-time fraud detection, adaptive user verification, …
Published in International Journal of Mobile Computing Technology · Vol. 3, Issue 1, 2025 · pp. 17–27 Read article
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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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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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Cashless Economic Model and its Impact on Market Behaviour
Abstract: The purpose of this paper is to determine the model for cashless economy as well as to know the impact of the demonetisation on the consumer as well as the seller. The exploratory research has been done in order to determine that how much aware people are regarding the various digital application as well as electronic online payment system.Cite this ArticleGaurav Puri, Ramesh Chandra Panda. Cashless Economic Model and its …
Published in Journal of Production Research & Management · Vol. 8, Issue 1, 2018 · pp. 1–17 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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A Comprehensive Analysis of Various Payment Gateways for Web-based Food Ordering
Abstract: The digital revolution has ushered in profound transformations across industries, and the online food sector stands at the forefront of this evolution. With consumers increasingly prioritizing convenience and accessibility, the online food industry has witnessed unprecedented growth. In this dynamic landscape, payment gateways have emerged as indispensable components, facilitating seamless transactions and driving operational efficiency for online food restaurant websites. This research article endeavors to conduct a comprehensive analysis of …
Published in Journal of Web Engineering & Technology · Vol. 11, Issue 2, 2024 · pp. 1–6 Read article
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BVC EDUPAY – SMART COLLEGE FEE PAYMENT SYSTEM
Abstract: Fee management has become a crucial component of modern educational institutions, with increasing reliance on digital platforms to handle financial transactions and administrative processes. However, students and staff often encounter challenges such as scattered fee information, manual verification procedures, delayed payment updates, and limited transparency across departments. To address these issues, BVC EduPay—a smart college fee payment system—has been developed as a centralized digital platform that consolidates academic fees, examination …
Published in Journal of Open Source Developments · Vol. 13, Issue 1, 2026 · pp. 24–34 Read article
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Local Markets, Global Flavors: Your Personalized Grocery Experience
Abstract: “Local Markets, Global Flavors” transforms the grocery shopping experience by linking customers directly with local markets and artisans. In contrast to standard grocery shopping, which can feel impersonal and lacks variety, this project delivers a shopping journey tailored to the unique flavours of each city. Through partnerships, “Local Markets, Global Flavors” aims to bring fresh, authentic products right to consumers' doorsteps. It offers based on dietary preferences and shopping history, …
Published in E-Commerce for Future & Trends · Vol. 12, Issue 1, 2025 · pp. 08–13 Read article
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Smart Shuttle System: An IoT and Machine Learning Based Approach
Abstract: The Smart Shuttle System is an IoT-based system designed to provide a hassle-free, cashless payment experience for students using the shuttle service. The system utilizes RFID (Radio Frequency Identification) technology to identify students and deduct the fare amount from their account. Radio Frequency Identification (RFID) technology is being considered as an alternative to traditional money and Unified Payments Interface (UPI) for making payments due to several advantages it provides over …
Published in International Journal of Satellite Remote Sensing · Vol. 1, Issue 1, 2023 · pp. 9–22 Read article
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Security Solutions for Common QR Code Hacking Attempts in a Mobile App
Abstract: In this digital era, more and more customers are opting for financial transactions employing technology-enabled hand-held devices as opposed to the traditional banking. Mobile banking apps are growing to be more and more powerful incorporating various advanced features and customizations such as investments, bill payment, effective budgeting, account history, online shopping, convenient payment, etc. to name a few. This aims at providing convenient banking for a customer from anywhere at …
Published in Journal Of Network security · Vol. 11, Issue 1, 2023 · pp. 8–23 Read article
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Analysis of Market Growth of Digital Payment Tools in India with Special Reference to UPI
Abstract: Digital transaction provides a transparent and easy way for customers; this new paradigm of financial transactions leads to an increment in the trust of customers. The Indian retail market has completely shifted to the Unified Payment Interface (UPI) for digital payment transactions. The Internet and Mobile Association of India report forecasts that the number will reach 900 million by 2025. Digital transactions facilitate numerous benefits over cash transactions, including convenience, …
Published in Journal of Artificial Intelligence Research & Advances · Vol. 11, Issue 3, 2024 · pp. 1–12 Read article
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Reactive Power Pricing Technique in A Competitive Market
Abstract: For maintaining voltages of each bus within specific range, proper reactive power support is mandatory. Reactive power is considered as an ancillary service in the restructured electricity market, hence it is price based service and controlled by ISO. Here, a modified optimal power flow (OPF) optimization method is proposed over the bids received from Gencos and to maintain the system security and stability subject to the constraints imposed by different …
Published in Trends in Electrical Engineering · Vol. 6, Issue 3, 2016 · pp. 89–100 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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A Study on Behavioral Economic Analysis Among Gen Z in Navi Mumbai: Reference to UPI
Abstract: India is well on its way to becoming a cashless nation with the launch of the Unified Payment Interface (UPI). The new payment system enables your smartphone to function as a virtual debit card. UPI-based payment apps have notably influenced consumer behavior, especially among the tech-savvy Generation Z (Gen Z), as the digital landscape continues to evolve. In Navi Mumbai, UPI was designed to offer users efficiency, widespread accessibility, transparency, …
Published in E-Commerce for Future & Trends · Vol. 11, Issue 3, 2024 · pp. 33–47 Read article
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Designing an Application for Community Assistance: WedsPay
Abstract: As the world continues to adjust to the new normal of social distancing, we are seeing a significant shift toward digitalization in many aspects of our lives. In light of this, we have come up with an innovative idea of receiving gifts and blessings from loved ones in a digital format. Our platform, Wedspay, aims to make the process of accepting cash gifts as easy and seamless as possible by …
Published in Journal of Computer Technology & Applications · Vol. 14, Issue 2, 2023 · pp. 1–6 Read article
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Impact of UPI on Spending Patterns of Consumers
Abstract: Modalities of digital payment Mobile holdalls have brought simplicity and speed to our lives. The inconvenience, risk, and restrictions of carrying cash can all be removed with the use of widely accessible digital payment services. Discounts, cashbacks, and waivers: Benefits and savings for users of digital payment apps and mobile wallets There are many online payment banks that provide good cash-back deals. As a result, customers cease using cash. However, …
Published in Journal of Microelectronics and Solid State Devices · Vol. 10, Issue 3, 2023 · pp. 22–30 Read article
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RFID-based Automated Toll Collection System
Abstract: AbstractElectronic Toll Collection (ETC) is a technology that allows for electronic payment of tolls. One of the most efficient ETC technologies is the RFID technology. RFID-based ETCs permit swift tax collections on-the-go, thereby alleviating the delay problems associated with manual tollbooths. RFID systems make use of RFID readers, RFID tags and a processing system to provide seamless tax collection at tollbooths. RFID-based ETCs are very cost-effective because they are completely …
Published in Journal of Communication Engineering & Systems · Vol. 9, Issue 2, 2019 · pp. 106–110 Read article
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Innovative Platform for College Event Planning and Secure Transactions
Abstract: The unified platform for college events is designed as an all-in-one solution to simplify the process of organizing college events while ensuring seamless payment transactions. By combining event management and payment processing into a single system, this innovative platform provides colleges and universities with a convenient way to plan, promote, and execute events while securely handling financial operations. In the lively and dynamic environment of college life, events such as …
Published in Journal of Electronic Design Technology · Vol. 16, Issue 1, 2025 · pp. 18–23 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