K.T. Nirmala Devi, and S. Vijayalakshmi. 2024. “A STUDY ON THE FACTORS INFLUENCING THE RETAILER TO ADOPT UPI PAYMENT SYSTEM”. ShodhKosh: Journal of Visual and Performing Arts 5 (6):1655–1660. https://doi.org/10.29121/shodhkosh.v5.i6.2024.2490.