ANANTA PRASAD NANDA. Critical Factors Determining Digital Payment User’s Adoption and Preferences: An Empirical Study. Journal of Informatics Education and Research, [S. l.], v. 5, n. 4, 2025. DOI: 10.52783/jier.v5i4.3614. Disponível em: https://jier.org/index.php/journal/article/view/3614. Acesso em: 3 mar. 2026.