Digitization: An empirical study on Clients’ Perspective. IITM JOURNAL OF BUSINESS STUDIES (JBS), [S. l.], v. 9, n. 1, p. 121–134, 2024. Disponível em: https://www.acspublisher.com/journals/index.php/jbs/article/view/16709. Acesso em: 31 jan. 2026.