Chaitanya A. Sakhare, Nidhi N. Somani, Bhavini L. Patel, Swapnil N. Khorgade, Srushtee Parchake (2023) “What drives FinTech Adoption? A study on Perception, Adoption, and Constraints of FinTech Services”, European Economic Letters (EEL), 13(3), pp. 1216–1230. Available at: https://eelet.org.uk/index.php/journal/article/view/418 (Accessed: 5 October 2025).