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. Universal Scholars Journal of Business and Management Research, [S. l.], v. 2, n. 07, p. 5–8, 2025. DOI: 10.5281/zenodo.17119576. Disponível em: https://universalscholars.org/index.php/JBMR/article/view/100.. Acesso em: 4 nov. 2025.