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International Journal of Science, Strategic Management and Technology

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A STUDY ON FRAUD DETECTION IN DIGITAL PAYMENTS WITH REFERENCE TO AMAZON PAY AND GOOGLE PAY (GPAY)

AUTHORS:
GUNDEBOINA SUDHARSHAN
Mentor
G SOWJANYA
Affiliation
Dept of MBA,

Malla Reddy Engineering College and Management Sciences, Medchal, Hyderabad – 501 401
DOI: 10.55041/ijsmt.v2i8.056
CC BY 4.0 License:
This article is an open access article distributed under the terms and conditions of the Creative Commons Attribution (CC BY) license, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
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Abstract
Digital payments have transformed financial transactions by providing convenient and accessible services through mobile applications and UPI. However, increasing digital transaction volumes have created opportunities for phishing, QR-code scams, identity theft, unauthorized transactions, social engineering, and account hacking. This study investigates fraud detection in digital payments with reference to Amazon Pay and Google Pay (GPay). It examines customer awareness, security features, authentication practices, fraud detection technologies, and consumer trust. Primary data from 100 respondents were analysed using percentage analysis. The findings indicate strong awareness and positive perceptions of fraud detection measures, while continuous technological improvement and customer education remain essential.

 
Keywords
Digital Payments; Fraud Detection; Amazon Pay; Google Pay; Cybersecurity
Article Information
PUBLICATION DETAILS
Review Type:
Double-Blind Peer Review
License:
CC BY-NC 4.0
Volume/Issue:
Volume 02, Issue 8
Review Rounds:
2
Article Type:
Research Article
Publication Date:
Aug 20 2026
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SUDHARSHAN, G. (2026). A Study on Fraud Detection in Digital Payments with Reference to Amazon Pay and Google Pay (GPAY). International Journal of Science, Strategic Management and Technology, 02(8), 1-9. https://doi.org/10.55041/ijsmt.v2i8.056

SUDHARSHAN, GUNDEBOINA. "A Study on Fraud Detection in Digital Payments with Reference to Amazon Pay and Google Pay (GPAY)." International Journal of Science, Strategic Management and Technology, vol. 02, no. 8, 2026, pp. 1-9. doi:https://doi.org/10.55041/ijsmt.v2i8.056.

SUDHARSHAN, GUNDEBOINA. "A Study on Fraud Detection in Digital Payments with Reference to Amazon Pay and Google Pay (GPAY)." International Journal of Science, Strategic Management and Technology 02, no. 8 (2026): 1-9. https://doi.org/https://doi.org/10.55041/ijsmt.v2i8.056.

References

  1. Chakka, N. B., & Saheba, S. S. (2025). Mobile payment fraud detection in UPIs through machine learning techniques: A systematic review. Multidisciplinary Reviews.

  2. National Payments Corporation of India. (n.d.). Fraud awareness.

  3. National Payments Corporation of India. (2024, November 6). NPCI unveils UPI safety awareness campaign to champion safe digital payment practices.

  4. Reserve Bank of India. (2020, June 22). Increasing instances of payment frauds—Enhancing public awareness campaigns through multiple channels

  5. Reserve Bank of India. (2021, February 18). Master Direction on Digital Payment Security Controls

  6. Reserve Bank of India. (2024, July 30). Master Directions on Cyber Resilience and Digital Payment Security Controls for non-bank Payment System Operators

  7. Shivamurthy, R. C., Akshatha, M., Nitin, S., Ramya, S., Supraja, K., & Vaibhavi, H. S. (2026). UPI fraud detection using machine learning. International Journal of Innovative Research in Computer and Communication Engineering.

  8. Sowmyasri, Y., Mahesh, Y., Rathnam, S. A., Praveen, V., Jitendra, A., & Dharnasi, P. (2026). Unified Payments Interface fraud detection using machine learning. International Journal of Computer Technology and Electronics Communication, 9(2)

Ethics and Compliance
✓ All ethical standards met
This article has undergone plagiarism screening and double-blind peer review. Editorial policies have been followed. Authors retain copyright under CC BY-NC 4.0 license. The research complies with ethical standards and institutional guidelines.
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