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THE ROLE OF PAYMENT AND PAYMENT FLOWS IN DETERMINING THE NATURE OF THE PAYMENT CIRCUIT. American Journal of Business Management, Economics and Banking, [S. l.], v. 37, p. 48–52, 2025. Disponível em: https://americanjournal.org/index.php/ajbmeb/article/view/2990. Acesso em: 2 oct. 2026.