Technological Impact of Digital Payment Systems on Consumer Behavior and Optimization of the Cash Flow Conversion Cycle in Pakistan. The Asian Bulletin of Big Data Management , [S. l.], v. 5, n. 1, p. 130–144, 2025. DOI: 10.62019/zpq9m565. Disponível em: https://abbdm.com/index.php/Journal/article/view/309. Acesso em: 10 dec. 2025.