S. A. V. Paul (Sr.), J. Joseph, S. A. V. Paul (Jr.), C. McDonald, O. K. Solomon, and S. Rambhajan, “Digital Financial Inclusion and Student Advancement: How Digital Payment Systems and Fintech Expand Access, Affordability, and Opportunity in Higher Education Across Developing Countries”, Stallion J. Multidiscip. Assoc. Res. Stud., vol. 4, no. 4, pp. 106–109, Aug. 2025.