DR. ANAND SHARMA; NISHA. Digital Payments and Cost Aspect in India. International Journal of Management Studies (IJMS), [S. l.], v. 6, n. Spl Issue 4, p. 01–14, 2021. Disponível em: https://www.researchersworld.com/index.php/ijms/article/view/998. Acesso em: 15 jan. 2026.