<?xml version="1.0" encoding="UTF-8" standalone="no"?><b:Sources SelectedStyle="\APASixthEditionOfficeOnline.xsl" StyleName="APA" Version="6" xmlns:b="http://schemas.openxmlformats.org/officeDocument/2006/bibliography" xmlns="http://schemas.openxmlformats.org/officeDocument/2006/bibliography"><b:Source><b:Tag>Shr24</b:Tag><b:SourceType>InternetSite</b:SourceType><b:Guid>{00751A34-B3E7-4B70-8EC9-F0C83A843F9A}</b:Guid><b:Title>Digital Payments driving the growth of Digital Economy</b:Title><b:Year>200=24</b:Year><b:Author><b:Author><b:NameList><b:Person><b:Last>Sethi</b:Last><b:First>Shri</b:First><b:Middle>Inder Pal Singh</b:Middle></b:Person></b:NameList></b:Author></b:Author><b:InternetSiteTitle>www.nic.in</b:InternetSiteTitle><b:Month>January</b:Month><b:Day>15</b:Day><b:URL>https://www.nic.in/blogs/digital-payments-driving-the-growth-of-digital-economy/</b:URL><b:RefOrder>1</b:RefOrder></b:Source><b:Source><b:Tag>Shu24</b:Tag><b:SourceType>InternetSite</b:SourceType><b:Guid>{965AE209-8B5A-4337-86AB-BA5A145B3222}</b:Guid><b:Author><b:Author><b:NameList><b:Person><b:Last>Bhatia</b:Last><b:First>Shubhangi</b:First></b:Person></b:NameList></b:Author></b:Author><b:Title>Digital Payments In India – Meaning, Types of Digital Payment, Benefits &amp; How do they Work?</b:Title><b:InternetSiteTitle>razorpay.com</b:InternetSiteTitle><b:Year>2024</b:Year><b:Month>AUGUST</b:Month><b:Day>12</b:Day><b:URL>https://razorpay.com/learn/digital-payments-india-definition-methods-importance/</b:URL><b:RefOrder>2</b:RefOrder></b:Source><b:Source><b:Tag>PIB231</b:Tag><b:SourceType>InternetSite</b:SourceType><b:Guid>{B6AC96DC-8978-4E0C-8F8E-CD8910A2871F}</b:Guid><b:Author><b:Author><b:NameList><b:Person><b:Last>Thiruvananthpuram</b:Last><b:First>PIB</b:First></b:Person></b:NameList></b:Author></b:Author><b:Title>India’s UPI : A global front-runner in digital payment systems</b:Title><b:InternetSiteTitle>pib.gov.in</b:InternetSiteTitle><b:Year>2023</b:Year><b:Month>October</b:Month><b:Day>30</b:Day><b:URL>https://pib.gov.in/PressReleaseIframePage.aspx?PRID=1973082&amp;ref=indiatech.com</b:URL><b:RefOrder>3</b:RefOrder></b:Source><b:Source><b:Tag>Gos231</b:Tag><b:SourceType>JournalArticle</b:SourceType><b:Guid>{F23C9E5C-A3D7-455F-AB9B-835C31AF577D}</b:Guid><b:Title>A study on satisfaction of digital payment users with special reference to UPI transactions.</b:Title><b:JournalName>EPRA International Journal of Environmental Economics, Commerce and Educational Management (ECEM),</b:JournalName><b:Year>2023</b:Year><b:Pages>10(7), 28-34</b:Pages><b:Author><b:Author><b:NameList><b:Person><b:Last>Goswami</b:Last><b:First>R</b:First></b:Person><b:Person><b:Last>Goswami</b:Last><b:First>S</b:First></b:Person><b:Person><b:Last>Shakdwipee</b:Last><b:First>P</b:First></b:Person></b:NameList></b:Author></b:Author><b:RefOrder>4</b:RefOrder></b:Source><b:Source><b:Tag>Pus211</b:Tag><b:SourceType>JournalArticle</b:SourceType><b:Guid>{FFC08343-69DB-45F5-8A1D-6AC90791C7EF}</b:Guid><b:Title>A Study on Awareness and Customer Satisfaction of Unified Payment Interface (UPI) For Digital Payments With Reference To Ambasamudram Area.</b:Title><b:JournalName>Annals of the Romanian Society for Cell Biology,</b:JournalName><b:Year>2021</b:Year><b:Pages>17783-17789.</b:Pages><b:Author><b:Author><b:NameList><b:Person><b:Last>Pushkala</b:Last><b:Middle>P</b:Middle><b:First>C</b:First></b:Person><b:Person><b:Last>Pappeswari</b:Last><b:First>C</b:First></b:Person></b:NameList></b:Author></b:Author><b:RefOrder>5</b:RefOrder></b:Source><b:Source><b:Tag>App19</b:Tag><b:SourceType>JournalArticle</b:SourceType><b:Guid>{6431E741-2E0B-46EA-BBAA-B4AF7EFC453F}</b:Guid><b:Title>A study on customer satisfaction of Bharat interface for money (BHIM).</b:Title><b:JournalName>International Journal of Innovative Technology and Exploring Engineering,</b:JournalName><b:Year>2019</b:Year><b:Pages>8(6), 266-273.</b:Pages><b:Author><b:Author><b:NameList><b:Person><b:Last>Appukuttan</b:Last><b:First>Suresh</b:First></b:Person><b:Person><b:Last>R</b:Last><b:First>Anjali</b:First></b:Person></b:NameList></b:Author></b:Author><b:RefOrder>6</b:RefOrder></b:Source><b:Source><b:Tag>Cha191</b:Tag><b:SourceType>JournalArticle</b:SourceType><b:Guid>{F434FCEE-3FE2-4C0C-A4EC-22B866AB31CB}</b:Guid><b:Title>To Study the Consumer Satisfaction on UPI (Unified Payments Interface) with Special Reference to Hyderabad and Suburbs.</b:Title><b:JournalName>International Multidisciplinary E- Research Journal of research journey</b:JournalName><b:Year>2019</b:Year><b:Pages>207 (A) 231-233.</b:Pages><b:Author><b:Author><b:NameList><b:Person><b:Last>Chaudhari</b:Last><b:First>Arvind </b:First></b:Person><b:Person><b:Last>Chaudhari</b:Last><b:First>Deepak</b:First></b:Person></b:NameList></b:Author></b:Author><b:RefOrder>7</b:RefOrder></b:Source><b:Source><b:Tag>Sur171</b:Tag><b:SourceType>JournalArticle</b:SourceType><b:Guid>{F77BD484-6AF0-4240-BE58-EACE29DB7F37}</b:Guid><b:Title>A Study of Changing Consumer Behaviour for Mobile Banking Service in India.</b:Title><b:JournalName>International Journal of Arts, Management and Humanities</b:JournalName><b:Year>2017</b:Year><b:Pages>6, 72-75.</b:Pages><b:Author><b:Author><b:NameList><b:Person><b:Last>Suresh</b:Last><b:Middle>S</b:Middle><b:First>A</b:First></b:Person><b:Person><b:Last>Singh</b:Last><b:First>T</b:First></b:Person></b:NameList></b:Author></b:Author><b:RefOrder>8</b:RefOrder></b:Source><b:Source><b:Tag>Roy171</b:Tag><b:SourceType>JournalArticle</b:SourceType><b:Guid>{2A83CC0E-CB04-4950-8054-FA8AD430F5EF}</b:Guid><b:Title>Factors affecting customers’ adoption of electronic payment: an empirical analysis.</b:Title><b:JournalName>IOSR Journal of Business and Management,</b:JournalName><b:Year>2017</b:Year><b:Pages>19(12), 76-90.</b:Pages><b:Author><b:Author><b:NameList><b:Person><b:Last>Roy</b:Last><b:First>S</b:First></b:Person><b:Person><b:Last>Sinha</b:Last><b:First>I</b:First></b:Person></b:NameList></b:Author></b:Author><b:RefOrder>9</b:RefOrder></b:Source><b:Source><b:Tag>Muh15</b:Tag><b:SourceType>JournalArticle</b:SourceType><b:Guid>{DCA15FD7-37EF-4A97-97D2-B0CA430AEFBB}</b:Guid><b:Title>Factors Influencing Customer Satisfaction of Mobile Banking Services: A Study on Second -Generation Banks</b:Title><b:JournalName>European Journal of Business and Management,</b:JournalName><b:Year>2015</b:Year><b:Pages>Vol. 7 (No.26), 88-96.</b:Pages><b:Author><b:Author><b:NameList><b:Person><b:Middle> Jannat</b:Middle><b:First>Muhsina</b:First></b:Person><b:Person><b:Middle>Ahmed</b:Middle><b:First>Imran </b:First></b:Person></b:NameList></b:Author></b:Author><b:RefOrder>10</b:RefOrder></b:Source><b:Source><b:Tag>Zoh11</b:Tag><b:SourceType>JournalArticle</b:SourceType><b:Guid>{B74C2F22-7B6E-408A-B214-E1829E703797}</b:Guid><b:Title>Relationship between customer satisfaction and mobile banking adoption in Pakistan.</b:Title><b:JournalName>International Journal of Trade, Economics and Finance,</b:JournalName><b:Year>2011</b:Year><b:Pages>2(6), 537.</b:Pages><b:Author><b:Author><b:NameList><b:Person><b:Middle>Saleem</b:Middle><b:First>Zohra </b:First></b:Person><b:Person><b:Middle>Rashid</b:Middle><b:First>Kashif </b:First></b:Person></b:NameList></b:Author></b:Author><b:RefOrder>11</b:RefOrder></b:Source><b:Source><b:Tag>The242</b:Tag><b:SourceType>InternetSite</b:SourceType><b:Guid>{5E156077-42C1-446F-95C9-C17135DBC516}</b:Guid><b:Title>The Role of UPI in Digital India: Advantages and Impact</b:Title><b:Year>2024</b:Year><b:InternetSiteTitle>www.aubank.in</b:InternetSiteTitle><b:URL>https://www.aubank.in/blogs/role-upi-digital-india-advantages-impact</b:URL><b:RefOrder>12</b:RefOrder></b:Source></b:Sources>