OSEREMEN , Imoisili Lucky. FinTech Disruption: The Role of Digital Payment Systems in Traditional Banking. International Journal of Scientific Research and Modern Technology, India, v. 3, n. 4, p. 55–63, 2024. DOI: 10.38124/ijsrmt.v3i4.997. Disponível em: https://ijsrmt.com/index.php/ijsrmt/article/view/997. Acesso em: 2 dec. 2025.