1. McKinsey Digital India Technology to transform a connected nation. https://www.mckinsey.com/~/media/McKinsey/Business%20Functions/McKinsey%20Digital/Our%20Insights/Digital%20India%20Technology%20to%20transform%20a%20connected%20nation/MGI-Digital-India-Report-April-2019.pdf. Accessed 31 Aug 2021
2. Assessment of the progress of digitisation from cash to electronic. https://www.rbi.org.in/Scripts/PublicationsView.aspx?id=19417. Accessed 31 Aug 2021
3. SP Global 2020 India Mobile Payments Market Report. https://www.spglobal.com/marketintelligence/en/documents/indiamobilepayments_2020finalreport.pdf. Accessed 31 Aug 2021
4. CNBC (2021) The coronavirus pandemic has caused a surge in demand for contactless payments, accelerating the shift from cash to digital options. https://www.cnbc.com/2020/12/03/covid-19-pandemic-accelerating-the-shift-from-cash-to-digital-payments.html. Accessed 31 Aug 2021
5. NPCI UPI product overview. https://www.npci.org.in/what-we-do/upi/product-overview. Accessed 31 Aug 2021