ADOPTION OF DIGITAL PAYMENTS AMONG GLOBAL CONSUMERS A SYSTEMATIC REVIEW. International Journal of Management (IJM), [S. l.], v. 15, n. 04, p. 146–160, 2024. Disponível em: https://lib-index.com/index.php/IJM/article/view/IJM_15_04_012.. Acesso em: 21 oct. 2025.