VERMA, Anita; BALASUBRAMANIAN, K. The Influence of Digital Payments on Consumer Spending Behaviour. International Journal of Emerging Trends in Multidisciplinary Research, India., v. 3, n. 2, p. 01–13, 2020. DOI: 10.67228/30715636/IJETMR-2020PII1V8S. Disponível em: https://worldcometresearchgroup.com/index.php/ijetmr/article/view/337. Acesso em: 29 jul. 2026.