A Comprehensive Review of Cloud Infrastructure Security, Privacy, and Trust in Programmable Payments

Rugved Gramopadhye, Jashkumar Shah, Aashna Desai, Tina Gada

Abstract: The paper highlights the importance of adopting a comprehensive and integrated approach to address the challenges associated with programmable payments, particularly those built on blockchain technologies and cryptocurrencies. Vulnerabilities in smart contracts, including coding errors and logical flaws, pose serious risks to the integrity of financial transactions and reinforce the need for continuous security audits and rigorous testing. At the same time, the persistent threat of cybersecurity attacks such as hacking and phishing underscores the necessity of a strong and resilient security infrastructure. Achieving an effective balance between transparency and privacy in blockchain-based payment systems remains complex and requires the adoption of privacy-enhancing technologies. In addition, successfully navigating an evolving regulatory landscape is essential to preserve legitimacy, compliance, and trust. Overall, a multi-layered strategy that combines security audits, robust cybersecurity controls, privacy protection mechanisms, and regulatory adherence is vital for the sustainable advancement of programmable payments while safeguarding user trust and data privacy within the financial ecosystem.

Keywords: Digital, financial, fraud, privacy, risk, transactions, Programmable payments, blockchain technology, cloud security, financial transactions, fraud prevention, data privacy, risk management

How to Cite?: Rugved Gramopadhye, Jashkumar Shah, Aashna Desai, Tina Gada, "A Comprehensive Review of Cloud Infrastructure Security, Privacy, and Trust in Programmable Payments", Volume 14 Issue 6, June 2025, International Journal of Science and Research (IJSR), Pages: 1960-1966, https://www.ijsr.net/getabstract.php?paperid=SR25605120019, DOI: https://dx.doi.org/10.21275/SR25605120019