Poudel, H. K., D. Ranabhat, P. Sapkota, and M. Ranabhat. “Adoption of Digital Payment System Among the Youths in Pokhara Metropolitan City”. Interdisciplinary Journal of Innovation in Nepalese Academia, vol. 2, no. 2, Nov. 2023, pp. 160-72, doi:10.3126/idjina.v2i2.59495.