K. Gudipati, G. Kaur, C. Ji, M. K. Mokashi, S. P. Bhoite, and P. K. Ingole, “FinTech-Enabled Microfinance for Last-Mile Communities: A Pathway Toward SDG 1 and SDG 8”, EDM, vol. 35, no. 2, pp. 113–125, Feb. 2026.