Subharun Pal. “Financial Literacy Levels and the Growth of Fintech: A Comparative Study”. Journal of the Oriental Institute, ISSN:0030-5324 UGC CARE Group 1 72, no. 2 (June 12, 2024): 48–55. Accessed May 4, 2025. https://www.journaloi.com/index.php/JOI/article/view/21.