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, vol. 4, no. 1, June 2023, pp. 75–82, https://iscsitr.in/index.php/ISCSITR-IJSRAIML/article/view/ISCSITR-IJSRAIML_2023_04_01_006.