financial technology
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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 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