JOSEPHINE, C. O. The effects of e-payment system on the efficiency of banks in Nigeria. International research journal of management, IT and social sciences, [S. l.], v. 8, n. 6, p. 548–558, 2021. DOI: 10.21744/irjmis.v8n6.1941. Disponível em: https://sloap.org/journals/index.php/irjmis/article/view/1941. Acesso em: 16 jul. 2024.