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@article{207494,
        author = {Dr. Kongalappa H. S and Arpitha K},
        title = {Digital Payment Trends across Merchant Categories: An Analysis of UPI Transactions},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {13},
        number = {3},
        pages = {1143-1153},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=207494},
        abstract = {},
        keywords = {Average Ticket Value, Data Quality, Digital Payments, Merchant Category Code, Unified Payments Interface.},
        month = {August},
        }