@book{8502,
	author = {Vlaicu, Razvan},
	title = {Digital Payments Adoption by Consumers and Firms},
	publisher = {: Inter-American Development Bank (IDB)},
	year = {,2025},
	series = {IDB Working Paper Series},
	address = {[Washington, D.C.]},
	url = {https://publications.iadb.org/publications/english/document/Digital-Payments-Adoption-by-Consumers-and-Firms-Implications-for-Financial-Inclusion.pdf},
	Remainder of title = {: Implications for Financial Inclusion}
}