Driving Inclusion through Innovation: The Impact of Indian Government Schemes on Digital Payment Ecosystems. Journal of Informatics Education and Research, [S. l.], v. 5, n. 4, 2025. DOI: 10.52783/jier.v5i4.3699. Disponível em: https://jier.org/index.php/journal/article/view/3699. Acesso em: 26 may. 2026.