Srinivas Chippagiri and Apoorva Ramesh, “PCI DSS: A Critical Analysis of Implementation, Effectiveness, and Legislative Impact in Payment Card Security”, Int. J. Sci. Res. Comput. Sci. Eng. Inf. Technol, vol. 11, no. 1, pp. 1258–1266, Jan. 2025, doi: 10.32628/CSEIT251112115.