MD KAMRUL ISLAM; SHAH FARHAN RABBANI; YUSUF OLI RAHAT. Modeling the Consumer Transition from Cash to Digital Payments and Its Implications for Financial System Efficiency, Transparency, and Inclusion. Journal of Economics, Finance and Accounting Studies , [S. l.], v. 7, n. 3, p. 118–134, 2025. DOI: 10.32996/jefas.2025.7.3.11. Disponível em: https://al-kindipublishers.org/index.php/jefas/article/view/12373. Acesso em: 14 apr. 2026.