Garg, Rakshit. 2026. “Digital Payment Reliance and Consumer Behaviour Among Young Adults: Associations With Digital-Payment-Related Impulsive Spending, Convenience, Rewards, and Continued Usage Intention”. International Journal of Artificial Intelligence and Machine Learning 6 (12s):1125-36. https://doi.org/10.51483/IJAIML.6.12s.2026.1125-1136.