JOE, C. Vijesh. Analysis of Hybrid Securing Digital Payment System through Risk Perception. Journal of Electronics and Informatics, [S. l.], v. 4, n. 4, p. 212–224, 2022. DOI: 10.36548/jei.2022.4.001. Disponível em: https://irojournals.com/iroei/article/view/499. Acesso em: 21 mar. 2026.