Kashid , Pratibha V., Davinder Kaur Sohi, Lei Liu, Ashutosh Kulkarni, and Sadhana Sargam. “FinTech Innovations in Rural Credit Delivery: Strengthening Sustainable Livelihoods under SDG 1 and SDG 12”. Enterprise Development and Microfinance 35, no. 2 (February 9, 2026): 292–305. Accessed April 16, 2026. https://papjournals.com/index.php/edm/article/view/573.