BHANDARI , Yubraj. Consumer Perceptions and Preferences for Mobile Payment Systems . KIC International Journal of Social Science and Management, [S. l.], v. 3, n. 1, p. 45–56, 2024. DOI: 10.3126/kicijssm.v3i1.83585. Disponível em: https://nepjol.info/index.php/kicijssm/article/view/83585. Acesso em: 9 dec. 2025.