Book Brief
Title: Janata–Mashrafi Unified Payment Model: A Systems-Engineering Framework for Interoperable National Digital Payment Infrastructure – One Country, One Payment System – One Low-Cost Interoperability Protocol
Author: Mokhdum Mashrafi
ISBN: 978-93-92585-74-6
Language: English
Publication Year: 2026
Publisher: EduPub
Janata–Mashrafi Unified Payment Model presents an innovative systems-engineering approach for designing and implementing a fully interoperable national digital payment infrastructure. The book proposes a unified framework that connects banks, mobile financial services, fintech platforms, government systems, merchants, and citizens into a single low-cost payment ecosystem capable of supporting secure, real-time, and inclusive financial transactions. The model emphasizes the principle of “One Country, One Payment System,” where interoperability becomes the foundation for digital economic transformation and universal financial access.
The book explores the architectural design of a national payment network using systems-engineering methodologies, mathematical modeling, algorithmic transaction routing, and interoperability protocols. It discusses core components such as centralized and decentralized payment gateways, API-based integration, digital identity verification, QR payment standardization, cybersecurity mechanisms, fraud detection systems, and transaction settlement optimization. Drawing inspiration from modern fast-payment infrastructures and digital public finance systems, the author develops a scalable framework that can reduce transaction costs while improving efficiency, transparency, and accessibility in national financial ecosystems. (worldbank.org)
The book further examines the socio-economic implications of interoperable payment systems, particularly their role in financial inclusion, rural banking access, digital governance, small-business empowerment, and cashless economic development. It highlights how a unified payment protocol can support government welfare distribution, taxation systems, e-commerce growth, and resilient digital economies. Intended for policymakers, financial regulators, banking professionals, fintech developers, researchers, and students, the book serves as both a conceptual guide and a practical framework for building next-generation national payment infrastructures aligned with the evolving global digital economy.
