“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 9, no. 1 (May 7, 2026): 226–242. Accessed May 9, 2026. https://www.acrpub.com/index.php/IARJEF/article/view/385.