Kumari, Arunita, and Kavita Saxena. “Digitization and Digital Governance in India: With Special Refernce to Electronic Payment in Financial Sector”. Journal of Commerce and Trade 14, no. 1 (May 1, 2019): 49–58. Accessed July 16, 2024. https://jctindia.org/index.php/jct/article/view/a19-akks.