DR. VARUN GANJIR. Effect of Digital Payment Systems on Financial Management Practices. International Journal of Advanced Research and Multidisciplinary Trends (IJARMT), [S. l.], v. 3, n. 2, p. 798–810, 2026. Disponível em: https://www.ijarmt.com/index.php/j/article/view/997. Acesso em: 31 may. 2026.