DR. RADHA SHARMA. Digital Payment Systems and Financial Inclusion in Rural India: A Pre-Pandemic Baseline Study. INTERNATIONAL JOURNAL OF MANAGEMENT RESEARCH AND REVIEW, India, v. 10, n. 4, p. 50–52, 2020. Disponível em: https://ijmrr.com/index.php/ijmrr/article/view/513. Acesso em: 17 sep. 2026.