FROM VOLUNTARY ADOPTION TO COMPELLED ACCEPTANCE: REFRAMING DIGITAL PAYMENT BEHAVIOUR THROUGH INDIA’S UPI ECOSYSTEM. Lex localis - Journal of Local Self-Government, [S. l.], p. 793–811, 2026. DOI: 10.52152/bd5fwz33. Disponível em: https://lex-localis.org/index.php/LexLocalis/article/view/803867. Acesso em: 21 sep. 2026.