DR. ARADHANA SAXENA. FROM UPI TO INTELLIGENT FINANCE: ASSESSING THE ROLE OF DIGITAL PAYMENT EXPERIENCES IN DEVELOPING FINANCIAL RESILIENCE AMONG GENERATION Z. International Educational Applied Scientific Research Journal, [S. l.], v. 11, n. 10, p. 18–30, 2026. Disponível em: https://ieasrj.com/journals/index.php/ieasrj/article/view/697. Acesso em: 27 oct. 2026.