Shipra Yadav, T. Lokeswara Rao, Saumendra Dasa, Chin-Shiuh Shieh, and Mong-Fong Horng. “Technological Disruption in Finance: Blockchain-Driven Innovation in Fintech Ecosystems”. Enterprise Development and Microfinance 36, no. 3s (April 30, 2026): 726–748. Accessed July 15, 2026. https://papjournals.com/index.php/edm/article/view/974.