Fintech-Driven Credit Expansion and Household Debt Stress in India: A State-Level Empirical Analysis Using a Composite Household Financial Stress Index. International Academic Research Journal of Economics and Finance, [S. l.], v. 9, n. 1, p. 226–242, 2026. DOI: 10.5281/zenodo.19853930. Disponível em: https://www.acrpub.com/index.php/IARJEF/article/view/385.. Acesso em: 9 may. 2026.