Jacob, Rosin C., Mishel Elizabeth Jacob, and Johney Johnson. “Understanding Factors Affecting UPI Adoption Among Low-Income Consumers in India”. Indian Journal of Finance 18, no. 7 (July 1, 2024): 44–59. Accessed August 20, 2025. https://indianjournalofmarketing.com/index.php/IJF/article/view/174032.