Sowmyanarayanan Soundararajan Guru, “OPTIMIZING CLOUD-BASED PAYMENT SYSTEMS FOR SCALABILITY: CHALLENGES AND BEST PRACTICES”, IJARET, vol. 15, no. 3, pp. 298–308, Jun. 2024, Accessed: Jan. 29, 2026. [Online]. Available: https://lib-index.com/index.php/IJARET/article/view/IJARET_15_03_026