Chinnapa Reddy Yeruva, “THE CENTRAL ROLE OF PAYMENT HUBS IN MANAGING MULTIPLE PAYMENT RAILS: ACHIEVING OPERATIONAL EFFICIENCY AND COMPLIANCE”, IJRCAIT, vol. 8, no. 1, pp. 459–469, Jan. 2025, Accessed: Jul. 17, 2025. [Online]. Available: https://ijrcait.com/index.php/home/article/view/IJRCAIT_08_01_038