PATIL, Aarchana; DESHPANDE, Aarti; CHAUHAN, Yash; HULAWALE, Arya; SHAIKH, Imran. Impact of Digital Wallets and UPI Payments on Consumer Spending Habits. International Journal on Research and Development - A Management Review, [S. l.], v. 15, n. 2, p. 1–9, 2026. Disponível em: https://journals.mriindia.com/index.php/ijrdmr/article/view/3207. Acesso em: 31 may. 2026.