Published Paper Details:

Online transaction, which are essential to modern commerce, present a complex web of risks that require close scrutiny. In the financial word, the threat of fraud is ever - present, including fraudulent transactions and increasingly sophisticated phishing attacks that exploit vulnerabilities in payment systems. Privacy risks increase as platforms accumulate vast amounts of user data, putting individuals at risk of identity theft and unfair profiling. Vulnerabilities such as malware and data breaches pose a threat to the confidentiality and integrity of transactional data, and despite advances in encryption and authentication, cyber threat dynamics require continued adaptation. Users play a critical role in this ecosystem and are encouraged to strengthen their defines through strong passwords, regular software updates, and increased awareness of website legitimacy. The complex intertwining of financial, privacy, and security risks highlights the need for a holistic approach that includes personal, corporate, and cybersecurity frameworks. Addressing these challenges requires continued collaboration to strengthen the digital infrastructure that supports online transactions and protects the trust that underlies e-commerce.