Saroy, R., S. Awasthy, N. Singh, S. Adki, and S. Dhal. “THE IMPACT OF COVID-19 ON DIGITAL PAYMENT HABITS OF INDIAN HOUSEHOLDS”. Buletin Ekonomi Moneter Dan Perbankan, Vol. 25, Mar. 2022, pp. 19 -42, doi:10.21098/bemp.v25i0.1823.