%0 Journal Article %T Digital Transformation of Payment Systems: Fraud Issues and Detection Prospects %A Abduragimova, T.I. %K fraud, bank cards, digital transformation, digital payments, tokenization, biometric systems, transactions, artificial intelligence, Internet of things (IoT) %J Bulletin of Kemerovo State University. Series: Humanities and Social Sciences %D 2025 %N 9 %P 8 %I Kemerovo State University