THE RISE OF DIGITAL PAYMENTS: IMPLICATIONS FOR CONSUMER BEHAVIOR AND SPENDING HABITS . IITM Journal of Business Studies, [S. l.], v. 13, n. 1, p. 36–60, 2026. DOI: 10.48165/iitmjbs.2025.13.1.4. Disponível em: https://journalsiitmjp.com/index.php/iitmjbs/article/view/411. Acesso em: 30 may. 2026.