Sowmyanarayanan Soundararajan Guru (2024) “OPTIMIZING CLOUD-BASED PAYMENT SYSTEMS FOR SCALABILITY: CHALLENGES AND BEST PRACTICES”, INTERNATIONAL JOURNAL OF ADVANCED RESEARCH IN ENGINEERING AND TECHNOLOGY (IJARET), 15(3), pp. 298–308. Available at: https://lib-index.com/index.php/IJARET/article/view/IJARET_15_03_026 (Accessed: 17 September 2025).