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Richa Parekh

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Review Open access Oct 2026

Determinants and Economic Consequences of UPI and Digital Payment Adoption: Evidence from Emerging Economies

Digital payment platforms—especially the Unified Payments Interface (UPI) have reshaped the way firms and households in emerging economies manage financial transactions. This paper examines three main areas. First, it identifies the factors that encourage or hinder businesses in adopting UPI and other digital payment i...

Richa Parekh, Nikita Dholakia · 0 citations

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