Tamang, Ansha, B. Muthu Pandian, and Shekhar Vishal Ravi. “Micro-Entrepreneurs’ Demographic Profile and UPI Adoption: An Empirical Study Awareness and Usage of Unified Payment Interface (UPI) in Sikkim”. International Journal of Management and Development Studies 14, no. 11 (November 16, 2025): 54–63. Accessed April 4, 2026. https://old.ijmds.in/index.php/ijmds/article/view/972.