Current - Issue

1. S. Scholar, “E-Finance: Status, Innovations and Future Challenges,” International Journal of Research and Analytical Reviews, 2019.
2. A. Jiang, “The impact of digital finance on online shopping,” Finance Research Letters, vol. 56, p. 104089, 2023, doi:
10.1016/j.frl.2023.104089.
3. H. M. Alzoubi, M. T. Alshurideh, B. A. Kurdi, and K. Alhyasat, “The effect of e-payment and online shopping on sales growth: Evidence
from banking industry,” 2022.
4. O. Haggag, A. Pedace, S. Pan, and J. Grundy, “An analysis of privacy regulations and user concerns of finance mobile applications,”
Information and Software Technology, vol. 184, p. 107756, 2025, doi: 10.1016/j.infsof.2025.107756.
5. P. Rani, R. K. Sachan, and S. Kukreja, “Academic Payment Tokenization: An Online Payment System for Academia Utilizing Non-Fungible
Tokens and Permissionless Blockchain,” Procedia Computer Science, vol. 230, pp. 347–356, 2023, doi: 10.1016/j.procs.2023.12.090.
6. J. Cloarec, “The personalization–privacy paradox in the attention economy,” Technological Forecasting and Social Change, vol. 161, p.
120299, 2020, doi: 10.1016/j.techfore.2020.120299.
7. S. Handoyo, “Purchasing in the digital age: A meta-analytical perspective on trust, risk, security, and e-WOM in e-commerce,” Heliyon, vol.
10, no. 8, p. e29714, 2024, doi: 10.1016/j.heliyon.2024.e29714.8. P. Butnampetch, P. Sasithonwan, B. Teeranan, and T. Chintakovid, “Usability Studies of E-Commerce Checkout Process: A Perspective from
Thailand,” in HCI in Business, Government and Organizations, pp. 307–321, 2020, doi: 10.1007/978-3-030-50341-3_24.
9. R. A. Shetty, “A study on online payment applications in India with reference to Amazon Pay,” 2019.
10. C. Kuraku, H. K. Gollangi, and J. R. Sunkara, “Biometric Authentication in Digital Payments: Utilizing AI and Big Data for Real-Time
Security and Efficiency,” SSRN Electronic Journal, 2024, doi: 10.2139/ssrn.4977530.
11. P. K. Joshi, “Achieving PCI-DSS Compliance in Payment Gateways: A Comprehensive Approach,” Journal of Technology and Systems, vol.
6, no. 7, pp. 13–31, 2024, doi: 10.47941/jts.2299.
12. A. Gunuganti, “Risk Based Authentication,” Journal of Artificial Intelligence & Cloud Computing, vol. 1, no. 1, pp. 1–6, 2022, doi:
10.47363/jaicc/2022(1)305.
13. V. Laad, “A Comprehensive Exploration of Privacy and Security Mechanisms in E-commerce,” International Journal on Recent and
Innovation Trends in Computing and Communication, vol. 11, no. 9, pp. 5391–5398, 2026.
14. V. Thomas, “Cybersecurity in Digital Banking: Challenges and Solutions,” Scriptora International Journal of Research and Innovation, pp.
33–42, 2025, doi: 10.65579/sijri.2025.v1i2.06.
15. OECD, “Emerging Privacy-Enhancing Technologies: Current Regulatory and Policy Approaches,” OECD Digital Economy Papers, no. 351,
OECD Publishing, Paris, 2023, doi: 10.1787/bf121be4-en.
16. N. Habib, “Customer Trust and Purchase Intention in Online Shopping: An Integrated Model,” Journal of Development and Social Sciences,
vol. 3, no. III, 2022, doi: 10.47205/jdss.2022(3-iii)62
17. A. R. Jutur, “Scaling Real-Time Payment Systems: A Deep Dive into Resilient Architectures,” International Journal of Computer Engineering
and Technology, vol. 16, no. 1, pp. 3926–3952, 2025, doi: 10.34218/ijcet_16_01_271.