ARUNABH. Impact of Digital Payment Adoption on Consumer Spending Patterns in Emerging Economies. The Sankalpa: International Journal of Management Decisions, [S. l.], v. 1, n. 1, p. 1–6, 2015. Disponível em: https://www.thesankalpa.org/ijmd/article/view/1. Acesso em: 4 feb. 2026.