Giri, Arunangshu, and Wendrila Biswas. 2025. ““Scan & Pay” : Developing a Conceptual Model on “Intention to Adopt” UPI Payment Apps by the Unorganized Retail Sector Using the Extended Valence Theory (EVT)”. Indian Journal of Finance 19 (4):60-68. https://doi.org/10.17010/ijf/2025/v19i4/174949.