ADALIA, Clyde; MANANAP, Winnie Joy. Difficulties in the Use of E-Payment Applications Among Members of a Credit Cooperative. International Multidisciplinary Journal of Research for Innovation, Sustainability, and Excellence (IMJRISE), [S. l.], v. 2, n. 5, p. 483–495, 2025. DOI: 10.5281/zenodo.15470251. Disponível em: https://risejournals.org/index.php/imjrise/article/view/1142. Acesso em: 18 jul. 2026.