IMPROVING THE EFFICIENCY OF PAYMENT SYSTEMS IN COMMERCIAL BANKS AND ENSURING THEIR SECURITY. ACUMEN: INTERNATIONAL JOURNAL OF MULTIDISCIPLINARY RESEARCH, [S. l.], v. 2, n. 12, p. 318–325, 2025. Disponível em: https://www.universalpublishings.com/index.php/aijmr/article/view/15297. Acesso em: 12 nov. 2026.