YADAV AK, Choudhury DS. From Digital Compliance to Financial Autonomy: Trust, Task Diversity, and Phygital Adoption in Microfinance. EDM [Internet]. 2026 Sep. 28 [cited 2026 Oct. 12];36(3):38-65. Available from: https://papjournals.com/index.php/edm/article/view/1216