FARIZA RAZ, A. Digital Payments and Regional Financial Intermediation. The International Journal of Financial Systems, [S. l.], v. 2, n. 2, p. 215–246, 2024. DOI: 10.61459/ijfs.v2i2.71. Disponível em: https://ojkinstitute.id/index.php/ijfs/article/view/71. Acesso em: 22 jun. 2025.