@article{rahultiwari2026,
  title   = {Fintech Adoption, Financial Inclusion and Household Wellbeing in Rural India},
  author  = {Rahul Tiwari and Priya Bhattacharya},
  journal = {International Journal of Modern Engineering and Management (IJMEM)},
  year    = {2026},
  pages   = {17-19},
  issn    = {3048-8230 (Online)},
  doi     = {10.5281/zenodo.19509002},
}