Garg, Rakshit. “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, vol. 6, no. 12s, Sept. 2026, pp. 1125-36, doi:10.51483/IJAIML.6.12s.2026.1125-1136.