“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, vol. 2, no. 1, मार्च, 2026, https://bjar.in/index.php/BJAR/article/view/34.