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@article{198033,
        author = {Mr. Sudhir Soman and Aditi Atul Sathe},
        title = {Analyzing Security Risks and User Awareness in Digital Payments},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {11},
        pages = {10978-10984},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=198033},
        abstract = {Digital payment systems have rapidly transformed the global financial landscape, enabling faster, more efficient, and convenient transactions. The increasing adoption of digital payment platforms has been influenced by factors such as technological advancements, the rise of e-commerce, government initiatives promoting cashless economies, and growing smartphone penetration. However, this growth has also brought about several security concerns, including risks related to data breaches, identity theft, phishing, malware attacks, and transaction fraud. Addressing these security challenges is crucial for building trust among users and ensuring the continued success of digital payment systems. This research paper explores the security concerns in digital payment systems by reviewing existing literature, analyzing data from a primary survey, and discussing the major threats and vulnerabilities faced by users and service providers. The study also provides recommendations to enhance digital payment security and highlights the importance of user awareness and regulatory measures. This survey is conducted through a questionnaire of 30 respondents.},
        keywords = {digital payment, security concerns, data breach, identity theft, malware, transaction fraud, user awareness, digital payment systems.},
        month = {April},
        }