Impact of COVID-19 on Digital Payment Adoption: A Case Study of Consumers and Retailers in U.P. International Journal of Food and Nutritional Sciences, [S. l.], v. 11, n. 11, p. 2543–2552, 2022. Disponível em: https://www.ijfans.org/index.php/Journal/article/view/12753. Acesso em: 12 aug. 2026.