@article{CRSIJ25000029,
                  author = {Dhruv Kerai , Dr. Jignesh Vidani},
                  title = {A Study on Impact of Retina and Iris Based Payment Technology Introduced by Digital Payment Apps on Financial Scams in Ahmedabad City},
                  journal = {Cosmo Research and Science International Journal},
                  year = {2025},
                  volume = {1},
                  number = {3},
                  pages = {75-100},
                  issn = {3108-1584},
                  url = {https://cosmorsij.com/published/CRSIJ25000029.pdf},
                  abstract = {India’s digital payment boom has completely changed how people deal with money. Paying for things is faster and easier than ever. But with that speed comes a new set of headaches—security worries and digital fraud are definitely on the rise. This study dives into something cutting-edge: using retinal and iris scans as part of digital payment systems to fight financial fraud in Ahmedabad. It doesn’t just stop at the tech, though. The research also digs into how people of all ages feel about these new biometric methods—whether they trust them, accept them, or even understand how they work. Researchers gathered answers from 175 people, all from different age groups, using a questionnaire. Then they ran chi-square tests to see how age shapes people’s attitudes and habits around digital payments. Turns out, younger folks—especially those 18 to 25—jump right into digital payments. They know more about biometric authentication and don’t hesitate to use it. Older participants aren’t as quick to jump in. They worry about whether these systems are reliable, how their data gets used, and if someone might misuse their biometric info. Clearly, age changes the way people look at speed, convenience, and the level of trust they have in banks and payment apps handling their most personal data. The big takeaway? Most people see retina and iris-based systems as a real step forward for security and comfort. They trust these methods to cut down on fraud. The study not only backs up what we already know about trust and tech adoption but also shows how age plays into whether people are willing to try new technologies like this. These insights give banks, fin-tech, and policymakers a better shot at building user-friendly biometric systems, making people more aware, and actually addressing what different age groups care about. There’s plenty left to explore—future research can branch out to other cities, dig into more types of people, and track how these payment systems actually change the fight against financial fraud over time.},
                  keywords = {Retina-based authentication, Iris-based authentication, Digital payments, financial fraud},
                  month = {November
}
        }