DIVYARAJ PARMAR; PANKAJ RATHOD; VATSAL CHANDRAPAL; KHYATI KARIYA. A REVIEW OF AUTHENTICATION MECHANISMS IN INDIA’S DIGITAL PAYMENT ECOSYSTEM: FROM OTP TO BEHAVIOURAL BIOMETRIC, IN LIGHT OF RBI’S 2025 AUTHENTICATION DIRECTIONS. International Journal of Computer Information Systems and Industrial Management Applications, [S. l.], v. 18, n. 15s, p. 150–160, 2026. DOI: 10.70917/ijcisim-2026-4382. Disponível em: https://cspub-ijcisim.org/index.php/ijcisim/article/view/4382. Acesso em: 10 aug. 2026.