The Frictionless Dirham: An Empirical Analysis of Cashless Payment Systems and Consumer Spending Habits in Dubai. International Journal of Business Management and Visuals, ISSN: 3006-2705, [S. l.], v. 9, n. 2, p. 1–18, 2026. Disponível em: https://ijbmv.com/index.php/home/article/view/183.. Acesso em: 21 sep. 2026.