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 16, no. 1 (February 6, 2026): 130–133. Accessed May 8, 2026. https://ijemr.vandanapublications.com/index.php/j/article/view/1865.