UPI and Beyond: Understanding Usage, Security, and Redressal in Digital Payments. International Journal of Latest Technology in Engineering Management & Applied Science, [S. l.], v. 14, n. 12, p. 1451–1455, 2026. DOI: 10.51583/IJLTEMAS.2025.1412000126. Disponível em: https://www.ijltemas.in/submission/online/article/view/3848.. Acesso em: 13 mar. 2026.