Bannerghatta Road
Bangalore, Karn 560076
Bangalore
India
India Institute of Management
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CBDC, UPI, disintermediation, digital payments
Payments, Technology Diffusion, Fintech, Demographic Structure, UPI
homeownership, real estate developers, mortgage, affordability
JEL Classification: D14, E21, E51, H31 credit, consumption, credit card, cue theory, financial decision-making, household behavior, liquid buffers, precautionary savings, liquidity constraints, mpc