Understanding the Pros and Cons of Digital Payments in Indian Economy: A PLS-SEM Approach. Journal of Informatics Education and Research, [S. l.], v. 3, n. 2, 2023. DOI: 10.52783/jier.v3i2.223. Disponível em: https://jier.org/index.php/journal/article/view/223. Acesso em: 5 apr. 2026.