Hiral Vani and Reetika Agarwal 2025. The Evolution of Digital Payments in Rural India: An Insight into Challenges and Opportunities. Journal of Economic Studies and Financial Research (e-ISSN: 2584-1629) (p-ISSN: 3140-0140). 6, 1 (Jan. 2025), 16–22. DOI:https://doi.org/10.46610/JESFR.2025.v06i01.002.