EMILY RICHARDSON. THE UPI EFFECT: HOW TRUST AND CONVENIENCE SHAPED PAYMENT BEHAVIOUR. International Journal of Economic Social Science and Management LAW, [S. l.], v. 3, n. 1, p. 9–13, 2022. DOI: 10.64571/x2gff334. Disponível em: https://ijeml.com/journal/index.php/ijeml/article/view/92. Acesso em: 3 jun. 2026.