Bangundi, S.A. 2024. UPI 123PAY: ANAVANT-GARDE STEP IN THE FINANCIAL INCLUSION. ShodhKosh: Journal of Visual and Performing Arts. 5, 1 (Jan. 2024), 1598–1601. DOI:https://doi.org/10.29121/shodhkosh.v5.i1.2024.3941.