SUNIL JAGANNATH GHADGE. Digital Payment Systems Research: A Review of Empirical Studies. International Journal of Innovations in Science Engineering And Management, India, v. 5, n. 1, p. 90–96, 2026. DOI: 10.69968/ijisem.2026v5i190-96. Disponível em: https://www.ijisem.com/journal/index.php/ijisem/article/view/453. Acesso em: 2 nov. 2026.