GIRI, Sushant Raj; GHIMIRE, Subodh Kumar. Factors affecting the adoption of digital payment systems. Journal of Innovations in Engineering Education, [S. l.], v. 3, n. 1, p. 165–174, 2020. DOI: 10.3126/jiee.v3i1.34340. Disponível em: https://www.nepjol.info/index.php/jiee/article/view/34340. Acesso em: 6 dec. 2025.