INTEGRATION OF TOKENIZATION TECHNIQUES IN CLOUD PAYMENT SYSTEMS FOR SECURING FINANCIAL TRANSACTIONS AND REDUCING PCI COMPLIANCE OVERHEAD THROUGH DATA SUBSTITUTION MODELS. Journal of Integrative Science and Societal Impact, [S. l.], v. 2, n. 1, p. 47–55, 2026. DOI: 10.29121/JISSI.v2.i1.2026.41. Disponível em: https://jissi.org/jissi/article/view/41. Acesso em: 5 apr. 2026.