Giri, Arunangshu, and Wendrila Biswas. ““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, no. 4 (April 1, 2025): 60–68. Accessed August 5, 2025. https://www.indianjournalofcapitalmarkets.com/index.php/IJF/article/view/174949.