A S M FAHIM, et al. “Real-Time Payments and Real-Time Fraud: A U.S. FinTech Risk Framework for RTP Rails and Consumer Protection”. Journal of Economics, Finance and Accounting Studies , vol. 6, no. 6, Dec. 2024, pp. 134-49, https://doi.org/10.32996/jefas.2024.6.6.11.