Verma, Anita, and K Balasubramanian. “The Influence of Digital Payments on Consumer Spending Behaviour”. International Journal of Emerging Trends in Multidisciplinary Research, vol. 3, no. 2, Dec. 2020, pp. 01-13, https://doi.org/10.67228/30715636/IJETMR-2020PII1V8S.