NIKIT AGARWAL,. AI-Orchestrated Payment Intelligence Systems for Improving Transaction Efficiency and Reducing Operational Latency in FinTech Gateways. ISCSITR - INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ARTIFICIAL INTELLIGENCE AND MACHINE LEARNING (ISCSITR-IJSRAIML) ISSN (Online): 3067-753X, [S. l.], v. 4, n. 1, p. 75–82, 2023. Disponível em: https://iscsitr.in/index.php/ISCSITR-IJSRAIML/article/view/ISCSITR-IJSRAIML_2023_04_01_006.. Acesso em: 5 feb. 2026.