YU, Yuning. Structural Inefficiencies in Cross-border Digital Payments: The Relationship Between Cost, Speed, Foreign Exchange Fluctuations, and Consumer Behavior. Economics and Management Innovation, [S. l.], v. 3, n. 1, p. 103–111, 2026. DOI: 10.71222/9j8p7195. Disponível em: https://www.gbspress.com/index.php/EMI/article/view/603. Acesso em: 23 mar. 2026.