डॉ0 दिव्या द्विवेदी. भारत में डिजिटल पेमेन्ट प्रणाली. International Journal of Advanced Research in Multidisciplinary Sciences eISSN 2581-8996 , [S. l.], v. 4, n. 1, p. 239–245, 2021. Disponível em: https://journal.ijarms.org/index.php/ijarms/article/view/716. Acesso em: 10 aug. 2025.