DETERMINANTS OF DIGITAL BANKING ADOPTION AND THEIR IMPLICATIONS FOR POLICY REFORM IN LOCAL SELF GOVERNMENT. Lex localis - Journal of Local Self-Government, [S. l.], v. 23, n. 11, p. 2415–2427, 2025. DOI: 10.52152/6tpkc019. Disponível em: https://lex-localis.org/index.php/LexLocalis/article/view/803057. Acesso em: 12 dec. 2025.