Nikit Agarwal,. AI-Orchestrated Payment Intelligence Systems for Improving Transaction Efficiency and Reducing Operational Latency in FinTech Gateways. ISCSITR-IJSRAIML. 2023;4(1):75–82. Accessed February 5, 2026. https://iscsitr.in/index.php/ISCSITR-IJSRAIML/article/view/ISCSITR-IJSRAIML_2023_04_01_006