THE IMPACT OF ECONOMIC AND SOCIAL DEVELOPMENT ON CONSUMER ADOPTION OF DIGITAL PAYMENT SYSTEMS IN EMERGING MARKETS: A PRIMARY DATA-BASED STUDY. International Development Planning Review, [S. l.], p. 635–645, 2026. Disponível em: https://idpr.org.uk/index.php/idpr/article/view/692.. Acesso em: 27 sep. 2026.