SACHIN AWASTHI; PRITY DESHBHRTAR. Artificial Intelligence (AI)-Based Digital Payment Systems in India:Opportunities, Challenges, and Future Prospects. International Journal of Innovations in Science, Engineering And Management, [S. l.], v. 5, n. 3, p. 447–460, 2026. DOI: 10.69968/ijisem.2026v5i3447-460. Disponível em: https://ijisem.com/journal/index.php/ijisem/article/view/669. Acesso em: 25 aug. 2026.