Deepak Verma and Mansi shah (2024) “TO STUDY EFFECTIVENESS OF ONLINE PAYMENT MODES”, Journal of Advanced Research in Operational and Marketing Management, 7(2), pp. 1-33. Available at: https://www.adrjournalshouse.com/index.php/Journal-OperationalMarketing-Mgt/article/view/1976 (Accessed: 11May2025).