MS. SHILPA BALRAM GOREJA; MRS. MARTINA PAIVA; MRS. NUPUR PATHAK; MR. ALOK USHEEJ; MR. MADHAN KULANDHAIVELU. THE RISE OF DIGITAL PAYMENTS & ITS EFFECT ON CONSUMER BEHAVIOUR. International Journal of Advanced Research and Multidisciplinary Trends (IJARMT), [S. l.], v. 3, n. 04, p. 1–15, 2026. Disponível em: https://ijarmt.com/index.php/j/article/view/1332. Acesso em: 7 oct. 2026.