Digital Payment and Spending Pattern: A Study among Young Consumers in Nepal. NPRC Multilingual Journal, [S. l.], v. 1, n. 2, p. 1–9, 2026. DOI: 10.68148/7z3b1z04. Disponível em: https://nprcnepal.com/nprcmulti/article/view/17. Acesso em: 6 nov. 2026.