Chinnapa Reddy Yeruva. “The Global Real-Time Payments Landscape: Challenges and Innovations in Cross-Border Instant Payments”. International Journal of Scientific Research in Computer Science, Engineering and Information Technology 10, no. 6 (December 31, 2024): 2345–2351. Accessed February 21, 2026. https://ijsrcseit.com/index.php/home/article/view/CSEIT2410612431.