Pahwa, Ashima, and Tilak Raj. “Electronic Payments: Transformation in Payment Style and Its Growth in India”. RESEARCH REVIEW International Journal of Multidisciplinary 7, no. 10 (October 13, 2022): 24–29. Accessed September 23, 2026. https://old1.rrjournals.com/index.php/rrijm/article/view/316.