Gayathri S Nair, and Dr. Resia Beegam S. “Digital Penetration and Investment Pattern of Households: A Comparative Study Between Capital Market and Non- Capital Market Investments”. International Journal of Management Studies (IJMS), vol. 5, no. 2(5), Oct. 2021, pp. 92-102, https://researchersworld.com/index.php/ijms/article/view/1847.