Patil, A., Deshpande, A., Chauhan, Y., Hulawale, A., & Shaikh, I. (2026). Impact of Digital Wallets and UPI Payments on Consumer Spending Habits. International Journal on Research and Development - A Management Review, 15(2), 1–9. https://doi.org/10.65521/ijrdmr.v15i2.3207