Digital payments and consumer experience in India: a survey based empirical study. - Sudiksha Shree; Bhanu Pratap; Rajas Saroy; Sarat Dhal (J. Bank. Financial Technol., 2021)

Impact of digital payment adoption on Indian banking sector efficiency. - Rajas Saroy; Preksha Jain; Sakshi Awasthy; Sarat Dhal (J. Bank. Financial Technol., 2023)