@ARTICLE{are2016,
     Title={Are Digital Wallets the New Currency?},
     Author={Batra,Roopali and Kalra, Neha},
     Journal={Apeejay Journal of Management and Technology},
     Volume={11},
     Number={1},
     Pages={12},
     Publisher={Apeejay Institute of Management Technical Campus},
     Year={2016}
}