THE RISE OF DIGITAL PAYMENTS: IMPLICATIONS FOR CONSUMER BEHAVIOR AND SPENDING HABITS . IITM JOURNAL OF BUSINESS STUDIES (JBS), [S. l.], v. 13, n. 1, p. 36–60, 2026. Disponível em: https://www.acspublisher.com/journals/index.php/jbs/article/view/24152. Acesso em: 18 jul. 2026.