Maulana Azad National Urdu University (MANUU) has declared Ms. Asma Sultana, D/o Mr. Mohammed Arif qualified in Doctor of Philosophy in Management. She has worked on the topic “Customer’s Perception towards Cashless Economy – A Study of Payment Banks” under the supervision of Dr. Shaik Kamruddin, Assistant Professor, Department of Management & Commerce. Her Viva-Voce was conducted on February 3, 2022.