International Journal of Computer Techniques Volume 12 Issue 4 | Transforming Payment Experience UsingAI Personalization
Transforming Payment Experience Using AI Personalization
Author: Vandana Sharma
Technology Specialist, Leading Technology Organization, San Francisco Bay Area, CA, USA
Email: vandanatripathi01@gmail.com
Journal: International Journal of Computer Techniques (IJCT)
Volume: 12 | Issue: 4 | Publication Date: July – August 2025
ISSN: 2394-2231 | Journal URL: https://ijctjournal.org/
Abstract
This review paper presents fault-tolerant design strategies for payment processing systems, emphasizing AI-driven personalization and resilience. Key principles such as redundancy, graceful degradation, isolation, and monitoring are explored to enhance system reliability and performance. The paper offers practical guidance for developers, architects, and IT managers to build robust infrastructures that support seamless, secure, and scalable payment experiences.
Keywords
Payment Processing, Fault Tolerance, Resilience, Redundancy, Graceful Degradation, Isolation, Monitoring, System Reliability, Performance Optimization, System Architecture
Conclusion
Fault-tolerant design principles are essential for modern payment systems. By integrating AI personalization and resilient architecture, stakeholders can ensure continuous service availability, reduce failure impact, and enhance customer trust. The paper highlights the strategic importance of proactive monitoring and adaptive infrastructure in shaping the future of secure digital commerce.
References
Includes 16 references from Pearson, MIT Press, Nature, McKinsey, Capgemini, PCI DSS, and SAS covering AI, fault tolerance, payment systems, and digital consumer insights.
