“Machine Learning and Artificial Intelligence in FinTech: Driving Innovation in Digital Payments, Fraud Detection, and Financial Inclusion”, Commun. Phys. Sci, vol. 9, no. 4, pp. 1037–1057, Sep. 2023, Accessed: Jun. 29, 2026. [Online]. Available: https://journalcps.com/index.php/volumes/article/view/758