Dr. S. Bharathi, Sarumathi. S; Prahadeeswaran. V, Kathiresan. M; Karthi. J. The Effect of Digital Payment Adoption on Consumer Spending Patterns: An Empirical Study Among Urban Consumers. ES 2026, 22 (6(S)June), 48-54. https://doi.org/10.69889/zyh3tt27.