Digital Payments and Financial Inclusion in India: Assessing the Role and Preparedness of Cooperative Banks in the UPI Era: (https://doi.org/10.5281/zenodo.21626612). Bundelkhand Journal of Academic Research, [S. l.], v. 2, n. 1, 2026. Disponível em: https://bjar.in/index.php/BJAR/article/view/34. Acesso em: 5 aug. 2026.