R. Gopinath, S. Vevek, Dr. S. Sivaprakkash 2022. A Paradigm Shifts In Digital Payment Transactions: UPI, IMPS & NFS Before And After Covid-19 To Seize Opportunity Of Cashless Economy In India. CEMJP. 30, 4 (Oct. 2022), 915–923. DOI:https://doi.org/10.57030/23364890.cemj.30.4.89.