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Cited article:

Digital Payment Adoption and Household Saving Behaviour: The Mediating Role of Consumer Spending Patterns

Dr. Anjali Srivastava, Dr. Vidya Jha, Sweta Kumari, Dr. Gagan Deep Chadha, Dr. Dimpal Singhania and Mr. Animesh Sarkar
The Journal of Theoretical Accounting Research 22 (3s) 259 (2026)
https://doi.org/10.1922/tnvr3b35