K. Soumya, Bommera Keerthana, Bolleboina Rakesh, Syed Ziauddin, & K Varalaxmi. (2026). TrustPay Analytics: Real-Time Fraud Detection Using Behavioral Intelligence in UPI Systems. American Journal of AI Cyber Computing Management, 6(2), 464-473. https://doi.org/10.64751/ajaccm.2026.v6.n2.pp464-473