YANLIANG XIN, ANDREY L. BULGAKOV. Digitalization of Payments: Trends and Prospects. Journal of International Crisis and Risk Communication Research , [S. l.], p. 1957–1965, 2024. DOI: 10.63278/jicrcr.vi.2352. Disponível em: https://jicrcr.com/index.php/jicrcr/article/view/2352. Acesso em: 13 oct. 2025.