CHOUGALA , Mallikarjun K. The Digital Sahayaki: Evaluating the Shift from Financial Access to Digital Agency among Common Citizens in India (2020–2026). International Journal on Research and Development - A Management Review, [S. l.], v. 15, n. 1, p. 564–574, 2026. DOI: 10.65521/ijrdmr.v15i1.2591. Disponível em: https://journals.mriindia.com/index.php/ijrdmr/article/view/2591. Acesso em: 6 may. 2026.