Ghaffar, Muhammad Nawaz. “Encryption in Digital Payment and Fintech Security: Safeguarding the Future of Financial Transactions : Building Trust in an Information-Driven Money Economy. These Days People Are Using Money in a Different Way. We Can Pay Bills, Shop Online Send Money to Countries and Even Buy Coffee With Just a Few Clicks. This Has Made Life Easier and Faster. It Also Means We Have to Deal With New Threats to Our Money and Personal Info. The Thing That Keeps All Our Transactions Safe Is Encryption Technology. Without It Bad People Could Easily Steal Our Money and Info. When We Send Money or Make a Payment Online Encryption Makes Sure That Only the Right People Can See the Details”. PakTech Today, vol. 1, no. 15, Aug. 2026, pp. 418-22, https://pakjournals.com/ojs/index.php/ptt/article/view/359.