“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)” (2026) Bundelkhand Journal of Academic Research, 2(1). पर उपलब्ध: https://bjar.in/index.php/BJAR/article/view/34 (अंतिम उपयोग: 20 सितम्बर 2026).