PERCEPTION AND USAGE OF VIRTUAL PAYMENT APPLICATIONS IN RELATION TO AWARENESS AND USER ISSUES. MSW Management Journal, [S. l.], v. 36, n. 1s, p. 3054–3056, 2026. DOI: 10.7492/wmdrdb95. Disponível em: https://mswmanagementj.com/index.php/home/article/view/2882.. Acesso em: 15 jun. 2026.