SONG, Zihao. Digital Payments and Their Systemic Influence on Consumer Behavior, Financial Services Innovation, and Monetary Policy. Finance & Economics, [S. l.], v. 3, n. 6, p. 7902, 2025. DOI: 10.61173/1eky5582. Disponível em: https://fe.deanfrancis.press/article/view/163. Acesso em: 4 nov. 2026.