Debayan Chakraborty. 1. “UPI AND QR-BASED PAYMENTS: SHIFTING CONSUMER PURCHASE BEHAVIOR IN URBAN INDIA”. International Journal Of Innovation In Engineering Research & Management UGC APPROVED NO. 48708, EFI 8.059, WORLD SCINTIFIC IF 6.33 13 (4S), 146-53. https://journal.ijierm.co.in/index.php/ijierm/article/view/3524.