Gaurav Kulkarni. “DIGITAL DOLLARS: UNRAVELING MODES OF E-PAYMENTS FOR FINANCIAL TRANSACTIONS: ADVANTAGES AND CHALLENGES”. International Journal Of Management And Economics Fundamental 3, no. 06 (June 1, 2023): 1–6. Accessed October 15, 2025. https://theusajournals.com/index.php/ijmef/article/view/1256.