Naik, Pratham, Yash Kotak, Jaydev Dhanak, Dhwanit Shah, Rahul Chauhan, Andino Maseleno, and Kharchenko Raisa. 2025. “Impacts of Online Payment Systems on Consumers and Merchants”. Dinasti International Journal of Economics, Finance &Amp; Accounting 5 (6):6329-41. https://doi.org/10.38035/dijefa.v5i6.4226.