Real –Time Payments: an Empirical Study Between Urban and Rural Population with Regard to Usage of UPI System. International Journal of Environmental Sciences, [S. l.], p. 2675–2696, 2025. DOI: 10.64252/jmytqw06. Disponível em: https://theaspd.com/index.php/ijes/article/view/7761.. Acesso em: 26 aug. 2026.