articel INVESTIGATING THE INFLUENCE OF DIGITAL PAYMENTS ON THE EVOLUTION OF BANKING SYSTEMS AND CONSUMER HABITS. Journal of Jabar Economic Society Networking Forum, [S. l.], v. 1, n. 10, p. 20–36, 2024. Disponível em: https://jesocin.com/index.php/jesocin/article/view/43.. Acesso em: 19 oct. 2025.