Obstacles to using electronic payment cards in commercial banks. Albayan Scientific Journal , [S. l.], n. 12, p. 212–197, 2023. DOI: 10.37375/bsj.vi12.1955. Disponível em: https://elc2.su.edu.ly/index.php/bayan/article/view/1955. Acesso em: 8 dec. 2025.