Dr. VijeyataTegwal and Mr. Sunil Tegwal (2023) “Impact of Digitalization on the Indian Economy and Requirement of Financial Literacy”, JOURNAL OF MANAGEMENT, SCIENCES, OPERATION & STRATEGIES , 3(3), pp. 1–8. Available at: http://journal.swaranjalipublication.co.in/index.php/JMSOS/article/view/411 (Accessed: 14 September 2025).