SANJAY KUMAR DAS. Interoperable Data Exchange Architectures in Digital Retirement Systems: Leveraging SPARK File Standards for Micro-Pension Administration, Financial Inclusion and Long-Term Enterprise Workforce Security. Enterprise Development and Microfinance, [S. l.], v. 36, n. 2s, p. 26–32, 2026. Disponível em: http://papjournals.com/index.php/edm/article/view/781. Acesso em: 26 jul. 2026.