“Deep Neural Network–Enhanced Credit Card Fraud Detection in Real-Time Payment Systems: Integrating IAM, Cloud Security, and AI-Powered Chatbot Intelligence”. International Journal of Research and Applied Innovations 6, no. 4 (July 5, 2023): 9195–9202. Accessed February 7, 2026. https://www.ijrai.org/index.php/ijrai/article/view/279.