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@article{197969,
        author = {Shital Sanjay Gaikwad},
        title = {Smart UPI Payment Source Selection Using Balance-Aware Decision System},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {11},
        pages = {8025-8029},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=197969},
        abstract = {With the rapid growth of Unified Payments Interface (UPI)-based apps like PhonePe and Google Pay, users often link several bank accounts to one platform. However, the current systems require users to manually choose payment sources, and they do not show account balances. This can lead to transaction failures. This paper suggests a balance-aware intelligent decision system that filters and recommends bank accounts with enough funds. Additionally, it introduces a new method for splitting payments across multiple accounts. This allows for successful transactions even if individual accounts do not have enough balance. The proposed system improves the success rate of transactions, enhances user experience, and streamlines digital payment processes.},
        keywords = {With the rapid growth of Unified Payments Interface (UPI)-based apps like PhonePe and Google Pay, users often link several bank accounts to one platform. However, the current systems require users to manually choose payment sources, and they do not show account balances. This can lead to transaction failures. This paper suggests a balance-aware intelligent decision system that filters and recommends bank accounts with enough funds. Additionally, it introduces a new method for splitting payments across multiple accounts. This allows for successful transactions even if individual accounts do not have enough balance. The proposed system improves the success rate of transactions, enhances user experience, and streamlines digital payment processes.},
        month = {April},
        }