PANKAJ JUNEJA, DR. BHUPENDER SINGH, DR. VANIKI JOSHI LOHANI, DEEPTI SHARMA, DR. MOHIT LOHANI. A Conceptual Framework for Understanding User Behaviour Towards Digital Financial Services: An Extension of the Technology Acceptance Model. International Journal of Research & Technology, [S. l.], v. 14, n. S1, p. 172–182, 2026. DOI: 10.64882/ijrt.v14.iS1.985. Disponível em: https://ijrt.org/j/article/view/985. Acesso em: 12 mar. 2026.