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@article{183406,
        author = {Dr. Kristin Marian Martin and Alamu.G.V and Sri Madhumitha G},
        title = {THE FINTECH PARADOX IN DIGITAL PAYMENTS: STRIKING A BALANCE BETWEEN INNOVATION, SECURITY, AND FINANCIAL INCLUSION},
        journal = {International Journal of Innovative Research in Technology},
        year = {2025},
        volume = {12},
        number = {3},
        pages = {1348-1353},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=183406},
        abstract = {Digital payment is a bridge to cashless future and a broad phrase to encompass the wide array of electronic transactions that replace the need for physical cash or cheques. These solutions have emerged by explosive growth in mobile technology, internet penetration and financial technologies (FinTech), transforming traditional banking methods. This study analyses how digital payments change banking operations and banking shifts to electronic methods of payment. The analysis shows digital payment methods offer better performance through effective operations and lower costs yet meets consumer needs rarely despite threats to security and computer accessibility. This research uses existing digital banking data to investigate user reaction and behaviour patterns. This research reveals that digital payments benefit users by speeding operations while lowering costs and provides a better service. At the same time, it covers security risks, user trust issues, and digital access barriers. Digital payments bring both development chances and inclusivity benefits but businesses must protect against security problems to build a reliable digital finance platform. Our study brings new ideas about digital transformation's role in transforming banking services while showing possible next steps for financial technology research and industry practical approach.},
        keywords = {Digital Payments, Traditional Banking, Transaction methods, Financial Technology},
        month = {August},
        }