M.V. RAMA. Smart Payments, Smarter Purchases: How Digital Payment Systems, Banking Technology Innovation, Financial Inclusion, and Payment Attributes Shape Buyer . Enterprise Development and Microfinance, [S. l.], v. 36, n. 4s, p. 476–497, 2026. DOI: 10.64149/edm.v36i4s.1319. Disponível em: https://papjournals.com/index.php/edm/article/view/1319. Acesso em: 30 oct. 2026.