HOLTON, Robert; HOLTON, Florian. Mobile Payments, Financial Literacy, and Borrowing Behavior: Evidence from the European Union. Journal of Business and Economic Options, [S. l.], v. 8, n. 3, p. 35–47, 2025. DOI: 10.5281/zenodo.17338518. Disponível em: https://resdojournals.com/index.php/jbeo/article/view/446.. Acesso em: 29 oct. 2025.