UPI and Financial Inclusion: Transforming Digital Financial Access in India. International Journal of Humanities, Commerce and Education, [S. l.], v. 2, n. 5, p. 118–124, 2026. DOI: 10.59828/ijhce.v2i5.75. Disponível em: https://ijhce.com/index.php/ijhce/article/view/75. Acesso em: 21 jun. 2026.