Murali Ajit Varma. “Compliance-As-Code for Continuous PCI DSS 4.0 Validation in Cloud-Native Financial Systems: Principles, Patterns, and Industrial Experience”. International Journal of Intelligent Systems and Applications in Engineering, vol. 14, no. 1s, May 2026, pp. 957-7, https://ijisae.org/index.php/IJISAE/article/view/8292.