VATHARKAR, Poonam; UNDALE, Snehit; PATIL, Aniket; PATIL, Rashmee; RATHOD, Ashish. UPI and Financial Inclusion: A Study of Usage in Semi-Urban and Rural India. International Journal on Research and Development - A Management Review, [S. l.], v. 15, n. 2, p. 285–289, 2026. DOI: 10.65521/ijrdmr.v15i2.3287. Disponível em: https://journals.mriindia.com/index.php/ijrdmr/article/view/3287. Acesso em: 24 jul. 2026.