Borizovski Juliјa. TRENDS AND CHALLENGES IN THE PAYMENT SERVICES MARKET. KNOWLEDGE - International Journal , [S. l.], v. 53, n. 1, p. 131–135, 2022. Disponível em: http://ojs.ikm.mk/index.php/kij/article/view/5433. Acesso em: 7 sep. 2026.