{"id":"https://openalex.org/W7140855840","doi":"https://doi.org/10.5281/zenodo.19228221","title":"Modernization Layers Are Creating New Attack Surfaces in Payments \u2014 And Banks Aren't Ready","display_name":"Modernization Layers Are Creating New Attack Surfaces in Payments \u2014 And Banks Aren't Ready","publication_year":2026,"publication_date":"2026-03-25","ids":{"openalex":"https://openalex.org/W7140855840","doi":"https://doi.org/10.5281/zenodo.19228221"},"language":"en","primary_location":{"id":"doi:10.5281/zenodo.19228221","doi":"https://doi.org/10.5281/zenodo.19228221","is_oa":true,"landing_page_url":"https://doi.org/10.5281/zenodo.19228221","pdf_url":null,"source":{"id":"https://openalex.org/S4306400562","display_name":"Zenodo (CERN European Organization for Nuclear Research)","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I67311998","host_organization_name":"European Organization for Nuclear Research","host_organization_lineage":["https://openalex.org/I67311998"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"article-journal"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["datacite"],"open_access":{"is_oa":true,"oa_status":"green","oa_url":"https://doi.org/10.5281/zenodo.19228221","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5133472472","display_name":"Neeraj Aggarwal","orcid":"https://orcid.org/0009-0006-3854-9885","observed_orcids":["https://orcid.org/0009-0006-3854-9885"]},"institutions":[],"countries":[],"is_corresponding":true,"raw_author_name":"Neeraj Aggarwal","raw_affiliation_strings":[],"raw_orcid":"https://orcid.org/0009-0006-3854-9885","affiliations":[]}],"institutions":[],"countries_distinct_count":0,"institutions_distinct_count":0,"corresponding_author_ids":["https://openalex.org/A5133472472"],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":false,"cited_by_count":0,"citation_normalized_percentile":{"value":0.0,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.5342000126838684,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.5342000126838684,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10734","display_name":"Information and Cyber Security","score":0.4004000127315521,"subfield":{"id":"https://openalex.org/subfields/1710","display_name":"Information Systems"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.008700000122189522,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/payment-systems","display_name":"payment systems","score":0.49300000071525574},{"id":"https://openalex.org/keywords/attack-surface","display_name":"attack surface","score":0.6039999723434448},{"id":"https://openalex.org/keywords/banking-security","display_name":"banking security","score":0.4699999988079071},{"id":"https://openalex.org/keywords/modernization","display_name":"modernization","score":0.6039999723434448},{"id":"https://openalex.org/keywords/cybersecurity","display_name":"cybersecurity","score":0.4490000009536743}],"concepts":[{"id":"https://openalex.org/C145097563","wikidata":"https://www.wikidata.org/wiki/Q1148747","display_name":"Payment","level":2,"score":0.6577000021934509},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.6439999938011169},{"id":"https://openalex.org/C53844881","wikidata":"https://www.wikidata.org/wiki/Q856122","display_name":"Modernization theory","level":2,"score":0.6186000108718872},{"id":"https://openalex.org/C54750564","wikidata":"https://www.wikidata.org/wiki/Q26643","display_name":"Commerce","level":1,"score":0.42309999465942383},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.4034999907016754},{"id":"https://openalex.org/C26517878","wikidata":"https://www.wikidata.org/wiki/Q228039","display_name":"Key (lock)","level":2,"score":0.2930000126361847},{"id":"https://openalex.org/C2778137410","wikidata":"https://www.wikidata.org/wiki/Q2732820","display_name":"Government (linguistics)","level":2,"score":0.28760001063346863},{"id":"https://openalex.org/C136264566","wikidata":"https://www.wikidata.org/wiki/Q159810","display_name":"Economy","level":1,"score":0.27059999108314514},{"id":"https://openalex.org/C40700","wikidata":"https://www.wikidata.org/wiki/Q1411783","display_name":"Industrial organization","level":1,"score":0.26759999990463257},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.2630999982357025}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.5281/zenodo.19228221","doi":"https://doi.org/10.5281/zenodo.19228221","is_oa":true,"landing_page_url":"https://doi.org/10.5281/zenodo.19228221","pdf_url":null,"source":{"id":"https://openalex.org/S4306400562","display_name":"Zenodo (CERN European Organization for Nuclear Research)","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I67311998","host_organization_name":"European Organization for Nuclear Research","host_organization_lineage":["https://openalex.org/I67311998"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"article-journal"},{"id":"doi:10.5281/zenodo.19228222","doi":"https://doi.org/10.5281/zenodo.19228222","is_oa":true,"landing_page_url":"https://doi.org/10.5281/zenodo.19228222","pdf_url":null,"source":{"id":"https://openalex.org/S4306400562","display_name":"Zenodo (CERN European Organization for Nuclear Research)","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I67311998","host_organization_name":"European Organization for Nuclear Research","host_organization_lineage":["https://openalex.org/I67311998"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"article-journal"}],"best_oa_location":{"id":"doi:10.5281/zenodo.19228221","doi":"https://doi.org/10.5281/zenodo.19228221","is_oa":true,"landing_page_url":"https://doi.org/10.5281/zenodo.19228221","pdf_url":null,"source":{"id":"https://openalex.org/S4306400562","display_name":"Zenodo (CERN European Organization for Nuclear Research)","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I67311998","host_organization_name":"European Organization for Nuclear Research","host_organization_lineage":["https://openalex.org/I67311998"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"article-journal"},"sustainable_development_goals":[],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":0,"referenced_works":[],"related_works":["https://openalex.org/W7133334813","https://openalex.org/W7128240393","https://openalex.org/W7122609061","https://openalex.org/W7167216187","https://openalex.org/W1504366451","https://openalex.org/W6931296297","https://openalex.org/W7117253312","https://openalex.org/W6968426233","https://openalex.org/W6930686625","https://openalex.org/W7163547273"],"abstract_inverted_index":null,"counts_by_year":[],"updated_date":"2026-10-28T10:33:24.094632","created_date":"2026-03-27T00:00:00"}