KOMAL VISHWAKARMA, ADARSH MISHRA, DOLMITA SHAILENDRA, ABHISHEK LAL. Adoption and Challenges of Digital Payment Systems: A Study of Consumer Perception in Urban and Rural India. Journal of Informatics Education and Research, [S. l.], v. 4, n. 3, 2024. Disponível em: https://jier.org/index.php/journal/article/view/1822. Acesso em: 16 mar. 2026.