INVESTIGATING THE INFLUENCE OF DIGITAL PAYMENTS ON THE EVOLUTION OF BANKING SYSTEMS AND CONSUMER HABITS. Journal of Economics, Accounting, Business, Management, Engineering and Society, [S. l.], v. 1, n. 12, p. 54–69, 2024. Disponível em: https://kisainstitute.com/index.php/kisainstitute/article/view/51.. Acesso em: 5 jul. 2026.