Yash Sharma, Shanu Shah, Dr. Vijaya Jain. “Impact of Digital Wallet Adoption on Household Savings Patterns in Indore’s Middle-Income Segment”. International Journal of Research & Technology 13, no. 4 (November 3, 2025): 389–395. Accessed February 13, 2026. https://ijrt.org/j/article/view/582.