DR. SATYAWATHI. FinTech and UPI: Transforming India’s Digital Payment Ecosystem . International Journal of Management Science and Business Conclave (IJMSABC), [S. l.], v. 2, n. 4, p. 37–41, 2026. Disponível em: https://www.ijmsabc.com/index.php/files/article/view/43. Acesso em: 14 oct. 2026.