International Research Journal of Commerce , Arts and Science
( Online- ISSN 2319 - 9202 ) New DOI : 10.32804/CASIRJ
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THE UPI EFFECT DOES FRICTIONLESS DIGITAL PAYMENT INCREASE SPENDING? EVIDENCE FROM A SMALL INDIAN RETAIL BUSINESS EXPANDED RESEARCH MANUSCRIPT FOR INTERNATIONAL JOURNAL DEVELOPMENT
1 Author(s): AARAV
Vol - 17, Issue- 10 , Page(s) : 27 - 38 (2026 ) DOI : https://doi.org/10.32804/CASIRJ
This expanded manuscript distinguishes verified secondary evidence from synthetic merchant-level illustrations.