ZOU, Shengjie. Research on the Transformation Path and Strategies of Retail Banking Business in Small and Medium-Sized Banks under the Impact of Digital Payments. Journal of Innovation and Development, [S. l.], v. 13, n. 1, p. 173–181, 2025. DOI: 10.54097/d1jdkx23. Disponível em: https://drpress.org/ojs/index.php/jid/article/view/31858. Acesso em: 28 jul. 2026.