Gupta, Aman, Suma Sidramappa Hoaamani, Jie Feng, Mona Sharma, Mukesh Patil, and Poonam Jagdish Patil. 2026. “QR-Based Micro-Payments and Small Business Resilience: A Digital Path to Achieving SDG 8 and SDG 9”. Enterprise Development and Microfinance 35 (2):354-68. https://doi.org/10.3362/edm.v35i2.578.