INTEGRATED RESEARCH JOURNAL OF MANAGEMENT, SCIENCE AND INNOVATION
ISSN 2582-5445 (online)
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SUSTAINABLE AND INCLUSIVE SMART PAYMENT MODELS FOR INDIA
1 Author(s): DR. PANKAJ KUMAR
Vol - 13, Issue- 2 , Page(s) : 61 - 66 (2026 ) DOI : https://doi.org/10.32804/IRJMSI
India’s digital payment ecosystem has experienced unprecedented growth over the last decade, driven by innovations such as the Unified Payments Interface (UPI), mobile wallets, and digital public infrastructure (DPI).