DR. A. SHAJI GEORGE; DR. T. BASKAR. India’s Unified Payments Interface Architecture, Adoption, and the Policy Challenges of a Public Digital Payment Infrastructure. Partners Universal Multidisciplinary Research Journal, [S. l.], v. 3, n. 4, p. 18–29, 2026. DOI: 10.5281/zenodo.21891881. Disponível em: https://pumrj.com/index.php/research/article/view/115. Acesso em: 24 aug. 2026.