Kaur, Dr. Mandeep, and Dr.Kamalpreet Kaur. “Diffusion and Adoption of Credit Cards in Indian Banking Sector”. American Journal of Economics and Business Management 1, no. 2 (April 7, 2018): 1–20. Accessed July 31, 2025. https://globalresearchnetwork.us/index.php/ajebm/article/view/21.