Vatharkar, Poonam, Snehit Undale, Aniket Patil, Rashmee Patil, and Ashish Rathod. “ UPI and Financial Inclusion: A Study of Usage in Semi-Urban and Rural India”. International Journal on Research and Development - A Management Review 15, no. 2 (June 2, 2026): 285–289. Accessed June 8, 2026. https://journals.mriindia.com/index.php/ijrdmr/article/view/3287.