Iqbal Ansari, Kazi Sanwarul Azim, Kiran Bhujel, Suresh Shivram Panchal, and Yogesh Sharad Ahirrao. “Fintech Innovation And IT Infrastructure: Business Implications For Financial Inclusion And Digital Payment Systems”. The American Journal of Engineering and Technology 7, no. 09 (September 13, 2025): 49–73. Accessed October 29, 2025. https://theamericanjournals.com/index.php/tajet/article/view/6668.