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While paying via Paytm, I noticed a small “+” button on the payment keypad. That’s it. No tooltip. No announcement. No onboarding. Yet it solved a problem I’ve silently lived with for years. Earlier, paying for multiple items meant: Switch to calcula...

AbstractThe global financial landscape is undergoing a profound transformation driven by the rapid adoption of digital payments. From mobile wallets and QR codes to blockchain-based transactions and central bank digital currencies (CBDCs), digital pa...
