SULEMAN, D. Effect of use of non - cash payment in the digital era of business . Journal of Management Science (JMAS), [S. l.], v. 6, n. 2, p. 217–222, 2023. Disponível em: https://exsys.iocspublisher.org/index.php/JMAS/article/view/220. Acesso em: 13 jun. 2026.