Shukla, Upendra Nath. “An Empirical Study on Future of Mobile - Wallets in India : A Gateway for Cashless Payments”. Arthshastra Indian Journal of Economics & Research 6, no. 6 (December 1, 2017): 51–62. Accessed December 15, 2025. https://www.indianjournalofmanagement.com/index.php/aijer/article/view/120117.