“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://bjss.in/index.php/bjar/article/view/34 (अंतिम उपयोग: 5 नवम्बर 2026).