Adoption Intentions Of Unified Payment Interface (UPI): An Empirical Study Using Extended UTAUT2 With Trust, Interoperability, And Observability. International Journal of Environmental Sciences, [S. l.], v. 11, n. 10s, p. 304–312, 2025. DOI: 10.64252/09j10843. Disponível em: https://theaspd.com/index.php/ijes/article/view/1553.. Acesso em: 24 oct. 2025.