MD NURUL HUDA RAZIB; MOHAMMAD MAMUN UR RASHID; MUHAMMAD HELAL UDDIN. Intelligent Pay-by-Bank Architecture: Fraud-Aware Analytics and Risk Modeling for U.S. Account-to-Account Payment Systems. Journal of Economics, Finance and Accounting Studies , [S. l.], v. 8, n. 4, p. 48–64, 2026. DOI: 10.32996/jefas.2026.8.4.4. Disponível em: https://al-kindipublishers.org/index.php/jefas/article/view/12436. Acesso em: 14 apr. 2026.