AKSHAYAPATRA LAKSHMI HARSHINI. A Comparative Study of UPI and Traditional Payment Methods: Efficiency, Accessibility, and User Adoption. International Journal of Computer Science and Engineering Research and Development (IJCSERD), [S. l.], v. 1, n. 1, p. 10–16, 2021. Disponível em: https://ijcserd.in/index.php/home/article/view/IJCSERD_01_01_02.. Acesso em: 11 sep. 2026.