GIRI, Arunangshu; BISWAS, Wendrila. “Scan & Pay” : Developing a Conceptual Model on “Intention to Adopt” UPI Payment Apps by the Unorganized Retail Sector Using the Extended Valence Theory (EVT). Indian Journal of Finance, [S. l.], v. 19, n. 4, p. 60–68, 2025. DOI: 10.17010/ijf/2025/v19i4/174949. Disponível em: https://indianjournalofcomputerscience.com/index.php/IJF/article/view/174949. Acesso em: 20 jul. 2025.