SINGH, Chitranjan. The Impact of Digital Payment Apps (UPI, Paytm, Apple Pay) on Spending Behavior: A Comprehensive Analysis. International Journal of Engineering and Management Research, [S. l.], v. 16, n. 1, p. 130–133, 2026. DOI: 10.31033/IJEMR/16.1.2026.1865. Disponível em: https://ijemr.vandanapublications.com/index.php/j/article/view/1865. Acesso em: 8 may. 2026.