Unlocking The Value Of Payment Services: A Comparative Analysis Of Commercial And Contractual Models, A Guide For Merchants. Journal of Namibian Studies : History Politics Culture, [S. l.], v. 35, p. 177–191, 2023. Disponível em: https://www.namibian-studies.com/index.php/JNS/article/view/5459. Acesso em: 3 nov. 2025.