ECONOMIC IMPACT OF ELECTRONIC PAYMENT SYSTEMS ON BANKING AND RETAIL SECTORS. International journal of artificial intelligence, [S. l.], v. 6, n. 02, p. 170–174, 2026. Disponível em: https://www.academicpublishers.org/journals/index.php/ijai/article/view/10654.. Acesso em: 7 feb. 2026.