Analysis of the problems of creating effective adaptive payment systems in the environment of service platforms. Informatics. Culture. Technology, [S. l.], v. 2, p. 36–41, 2025. DOI: 10.15276/ict.02.2025.04. Disponível em: https://ict.od.ua/index.php/journal/article/view/8. Acesso em: 28 apr. 2026.