“MODELLING THE FACTORS AFFECTING FINANCIAL LITERACY OF WOMEN TOWARDS DIGITAL PAYMENTS USING ISM AND MICMAC APPROACH ” (2024) IITM Journal of Business Studies, 10(1), pp. 290–305. Available at: http://journalsiitmjp.com/index.php/iitmjbs/article/view/61 (Accessed: 9 June 2026).