Patil, Aarchana H., Mona Salpe, Shraddha Shinde, Shantanu Satav, and Narhari Shinde. 2026. “ Digital India and the Decline of Cash: Study of Urban Payment Habits”. International Journal on Research and Development - A Management Review 15 (2):18-25. https://journals.mriindia.com/index.php/ijrdmr/article/view/3209.