Rubyet Hossain, Debashish Sarker, Sumya Sultana Meem, Khondoker Shahrina, Md. Al Amin. 2020. “Analysis of Centralized Payment Eco-System: A Systematic Review on E-Payments”. International Journal of Advanced Science and Technology 29 (3), 14139 -59. http://sersc.org/journals/index.php/IJAST/article/view/31855.