U. K. Singh, D. Sukheja, S. I. Kundalwal, K. Ohri, T. Panwar, and K. Bunkar, “Digital Health in India: An Empirical Study on Awareness, Usage, and Trust in EHR and Health Wallet Systems”, IJAIML, vol. 6, no. 9s, pp. 1826–1838, Sep. 2026.