THE EFFECT OF DIGITAL PAYMENT SYSTEMS ON CONSUMER SPENDING BEHAVIOR AND FINANCIAL STABILITY. Management Studies and Business Journal (PRODUCTIVITY), [S. l.], v. 2, n. 1, p. 1948–1959, 2025. DOI: 10.62207/75znr577. Disponível em: https://journal.ppipbr.com/index.php/productivity/article/view/525.. Acesso em: 17 jan. 2026.