[1]
Akshayapatra Lakshmi Harshini, “A Comparative Study of UPI and Traditional Payment Methods: Efficiency, Accessibility, and User Adoption”, IJCSERD, vol. 1, no. 1, pp. 10–16, Feb. 2021, Accessed: Sep. 11, 2026. [Online]. Available: https://ijcserd.in/index.php/home/article/view/IJCSERD_01_01_02