Shobha U, and Dr. Bora Upendra Rao. “Fintech Contribution in Promoting Financial Inclusion Among Underserved Populations: An Empirical Analysis ”. European Economic Letters (EEL) 16, no. 2 (July 4, 2026): 356–380. Accessed July 4, 2026. https://www.eelet.org.uk/index.php/journal/article/view/4431.