UTHAM KUMAR ANUGULA SETHUPATHY. DIGITAL PAYMENT PLATFORMS IN EMERGING MARKETS: A TECHNICAL FRAMEWORK FOR INDUSTRY-SPECIFIC FINANCIAL INCLUSION. INTERNATIONAL JOURNAL OF COMPUTER ENGINEERING AND TECHNOLOGY, [S. l.], v. 16, n. 01, p. 3803–3820, 2025. DOI: 10.34218/IJCET_16_01_262. Disponível em: https://ijcet.in/index.php/ijcet/article/view/IJCET_16_01_262.. Acesso em: 4 feb. 2026.