CHATTERJEE, P. Innovative disruption in financial technology and payment systems. International Journal of Financial, Accounting, and Management, [S. l.], v. 7, n. 2, p. 289–301, 2025. DOI: 10.35912/ijfam.v7i2.3133. Disponível em: https://goodwoodpub.com/index.php/ijfam/article/view/3133. Acesso em: 3 nov. 2025.