Mohitash Nagotra, Sapna Adwani, Shivani Kasliwal, Nipun Agrawal, Ashish Bhandari. (2025). "A Comprehensive Study to Understand the Influence of Digital Payment Preferences on Consumer Behavior, Employee Productivity, and Financial Inclusion in Major Cities of Madhya Pradesh". European Economic Letters (EEL), 15(1), 3239–3247. https://doi.org/10.52783/eel.v15i1.2721