The impact of e-wallets in digital finance. NTU journal for Administrative and Human Sciences (JAHS), [S. l.], v. 5, n. 3, p. 217–227, 2025. DOI: 10.56286/rjq1aw51. Disponível em: https://journals.ntu.edu.iq/index.php/NTU-JMS/article/view/1528.. Acesso em: 8 dec. 2025.