An Empirical Assessment of UPI Growth Across Pre- and Post-COVID Periods. Journal of Scholarly Studies in Arts and Human Development, [S. l.], v. 1, n. 1, p. 30–44, 2025. Disponível em: https://jssahd.com/index.php/jssahd/article/view/10. Acesso em: 2 may. 2026.