DIGITAL PAYMENT FRAUD RECOVERY IN SMALL ENTERPRISES: A GOVERNANCE MODEL FOR DETECTION, CUSTOMER RESPONSE, AND CONTROL RENEWAL

Abstract

This conceptual and integrative review develops a framework for digital payment fraud recovery in micro, small, and medium enterprises. It addresses the problem that small enterprises increasingly depend on digital payments but may lack coordinated routines for detecting anomalies, protecting customers, preserving evidence, and restoring trustworthy operations after fraud. Drawing on the resource-based view, dynamic capabilities, organizational learning, absorptive capacity, social capital, and resilience, the paper explains how transaction anomaly detection, rapid account containment, customer-centered response, evidence preservation, post-incident control renewal can be organized as mutually reinforcing routines. The proposed pathway moves from problem diagnosis and capability mapping to bounded experimentation, evidence review, resource reconfiguration, and learning retention. No primary survey, interview, experimental, administrative, or statistical data are claimed. The framework links these mechanisms to loss containment, customer protection, transaction confidence, operational recovery, fraud resilience and identifies managerial, institutional, and research implications suitable for resource-constrained enterprises.