Dr. Tirthankar Mandal , trans. “Adoption of UPI and Implementation of UPI-ATM in India: A Logit Analysis”. Indian Journal of Economics and Finance (IJEF) 3, no. 1 (February 28, 2024): 52–59. Accessed June 19, 2025. https://www.journals.latticescipub.com/index.php/ijef/article/view/580.