Rakhi Sharma, Sachin Kurade, Kumari Deepa Rani, Brajesh Kumar. “Unified Payment Interface (UPI) and the Digital Banking Revolution: Opportunities and Challenges”. International Journal on Research and Development - A Management Review 14, no. 1 (August 31, 2025): 287–303. Accessed September 14, 2025. https://journals.mriindia.com/index.php/ijrdmr/article/view/693.