Jha, Dr. Nishikant, and Ravindra Patil. “A Study On Evaluating Factors Influencing Adoption Of Fintech (Digital Wallets)”. Migration Letters 20, no. S11 (December 2, 2023): 1431–1438. Accessed August 24, 2024. https://migrationletters.com/index.php/ml/article/view/9154.