Divyaraj Parmar (2026) “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, 18(15s), pp. 150–160. doi: 10.70917/ijcisim-2026-4382.