The Influence of Payment System Digitalization on Consumer Transaction Efficiency in Urban Areas. Nomico, [S. l.], v. 2, n. 5, p. 81–91, 2025. DOI: 10.62872/2phk8t06. Disponível em: https://ejournal-nawalaedu.com/index.php/NJ/article/view/1645. Acesso em: 30 nov. 2025.