UPI
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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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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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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