Amit Aggarwal, Mohit Rastogi (2026) “Digital Payment System: A Comprehensive Study of Emotional, Cultural, And Religious Barriers to Mobile Payment Adoption in India”, European Economic Letters (EEL), 16(1), pp. 974–980. Available at: https://www.eelet.org.uk/index.php/journal/article/view/4223 (Accessed: 29 July 2026).