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Albert Mothey, Dr. Pramesh Chettri, Dr. Madan Chhetri, Narayan Chettri. Digital Payments and Consumer Perception: The Role of UPI and Financial Literacy in Emerging Economies.  US-JBMR [Internet]. 2025 Jul. 12 [cited 2026 Jun. 9];2(07):5-8. Available from: http://universalscholars.org/index.php/JBMR/article/view/100