Gaidhani , Vishakha A., Prince Kumar, Guijie ., P. S. Vikhe, and Leena Deshpande. “Cashless Ecosystems and Microenterprise Competitiveness: Measuring SDG 8 and SDG 9 Indicators”. Enterprise Development and Microfinance 35, no. 2 (December 25, 2025): 328–340. Accessed August 30, 2026. https://papjournals.com/index.php/edm/article/view/575.