Harsha Pungaliya, and Sumeet Gupta. “Unlocking the Potential of Fintech in India: Addressing Implementation Issues”. International Journal of Finance (IJFIN) - ABDC Journal Quality List 38, no. 1 (February 11, 2025): 15–30. Accessed December 11, 2025. https://ijfin.org/index.php/ijfin/article/view/IJFIN_38-01-003.