Digital Financial Inclusion through UPI and Telecom Infrastructure: Opportunities, Challenges and Road Ahead. International Journal of Humanities, Commerce and Education, [S. l.], v. 2, n. 5, p. 73–83, 2026. DOI: 10.59828/ijhce.v2i5.70. Disponível em: https://ijhce.com/index.php/ijhce/article/view/70. Acesso em: 21 jun. 2026.