DR. K. DEEPIKA. Digital Payment Adoption and Consumer Financial Behavior . International Journal of Management Science and Business Conclave (IJMSABC), [S. l.], v. 2, n. 2, p. 34–42, 2026. Disponível em: https://www.ijmsabc.com/index.php/files/article/view/39. Acesso em: 14 oct. 2026.