Deepa Garg and Dr. Shalini Singh. “Determinants Affecting the Digital Payment System Adoption in India”. Journal of the Oriental Institute, ISSN:0030-5324 UGC CARE Group 1 73, no. 4 (November 13, 2024): 34–43. Accessed May 4, 2025. https://www.journaloi.com/index.php/JOI/article/view/389.