Kumar Kashyap, Dwijendra, and J Meena Kumari. “Central Bank Digital Currency (CBDC) Can It Replace Notes and Coins in India”. Shanlax International Journal of Management 8, no. S1-Feb (February 26, 2021): 21–28. Accessed January 21, 2026. https://shanlaxjournals.in/journals/index.php/management/article/view/3754.