Sophea Nguon, Sophea Nguon, Sokly Phan Sokly Phan, and Vuthy Chea Vuthy Chea. “Fintech Transaction Fraud Decision: Quantifying Loss, Friction, and Detection Risk Under Drift, Adversarial Adaptation, and Operational Latency”. Techne: Journal of Engineering, Technology and Industrial Applications 1, no. 4 (December 3, 2025): 93–101. Accessed March 14, 2026. https://ejournal.kalampractica.com/index.php/techne/article/view/40.