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, vol. 5, no. 4, Nov. 2026, pp. 286-92, https://doi.org/10.5281/zenodo.24159085.