Pawar, Archana. “A Study on Impact of Covid -19 Pandemic on Online Payment With Reference to Degree College Students in Palghar District”. SAMRIDDHI : A Journal of Physical Sciences, Engineering and Technology 13, no. SUP 1 (June 30, 2021): 85-88. Accessed August 8, 2025. https://smsjournals.com/index.php/SAMRIDDHI/article/view/2299.