GRZELCZAK, Marlena. Determinants of non-cash turnover in the European Union countries on the example of payment cards. Poland: Lodz University Press,2024. DOI: 10.18778/8331-514-0. Disponível em: https://press.uni.lodz.pl/index.php/wul/catalog/book/1020. Acesso em: 14 feb. 2026.