Dr.A.Michael John and C.Indhu (2026) “HARNESSING FINTECH FOR SUSTAINABLE DEVELOPMENT GOALS : DIGITAL CONSUMER CENTRIC ASSESSMENT”, Journal of the Oriental Institute, ISSN:0030-5324 UGC CARE Group 1, 74(4), pp. 122–140. doi: 10.8224/journaloi.v74i4.1016.