Khurana, Bharat. “DREAM OF CASHLESS INDIA: BENEFITS & CHALLENGES”. International Journal of Research -GRANTHAALAYAH 5, no. 5 (May 31, 2017): 377–381. Accessed October 2, 2025. https://granthaalayahpublication.org/journals/granthaalayah/article/view/IJRG17_A06_326.