ADOPTION OF DIGITAL FINANCIAL SERVICES AND ITS IMPACT ON FINANCIAL BEHAVIOR: A REVIEW OF LITERATURE. International Journal of Management (IJM), [S. l.], v. 15, n. 5, p. 10–26, 2024. Disponível em: https://lib-index.com/index.php/IJM/article/view/IJM_15_05_002.. Acesso em: 21 oct. 2025.