Determinants of Digital Payment Adoption and Its Operational Effects on Retail SMEs in India. Journal of Advances and Scholarly Researches in Allied Education, [S. l.], v. 22, n. 2, p. 259–279, 2025. DOI: 10.29070/qa6wnm73. Disponível em: https://ignited.in/index.php/jasrae/article/view/16140. Acesso em: 10 jan. 2026.