00496naa#a2200157#i#4500001001600000005001700016011001400033100004100047102000700088200010200095210004600197215001000243608002700253700003700280856002100317EN\\bibl\10471720251231105011.3##a2542-1840##a20250930b2025####ek#y0engy0150####ca##aRU1#aDigital Transformation of Payment Systems:  Fraud Issues and Detection ProspectseJournal article1#aKemerovocKemerovo State Universityd2025##a8 с.##aJournal article2local#1aAbduragimovagTat'yana Iosifovna4#ajcenter.kemsu.ru