Swapnil Baradhwaj Kadiyam. “Adaptive Architecture for Secure Digital Payments”. International Journal of Scientific Research in Science, Engineering and Technology 12, no. 1 (February 18, 2025): 294–307. Accessed May 18, 2025. https://www.ijsrset.com/index.php/home/article/view/IJSRSET25121157.