MR.ARJUN J, DR. VENKATESHA B M. THE ROLE OF UNIFIED PAYMENTS INTERFACE (UPI) IN TRANSFORMING INDIA’S DIGITAL PAYMENT ECOSYSTEM: A SECTOR-WISE ANALYSIS. International Journal of Data Science and IoT Management System, [S. l.], v. 5, n. 4, p. 286–292, 2026. DOI: 10.5281/zenodo.24159085. Disponível em: https://ijdim.com/journal/index.php/ijdim/article/view/1471. Acesso em: 13 nov. 2026.