Madhavedi, Sudhakar, Wong Chee Hoo, Khang Wen Goh, Chee How Liau, Aw Yoke Cheng, and Ram Kinker Pandey. 2024. “Understanding the Dynamics of Cashless Payment System: The Effects of Technology Advancement, Security Concerns, and Competition on Merchant Adoption in Hyderabad, India”. Journal of Ecohumanism 3 (7):1878-93. https://doi.org/10.62754/joe.v3i7.4338.