FINTECH PAYMENT ADOPTION AND INVESTMENT EFFICIENCY: THE MEDIATING ROLE OF FINANCIAL INNOVATION. Center for Management Science Research, [S. l.], v. 4, n. 3, p. 572–585, 2026. Disponível em: https://cmsrjournal.com/index.php/Journal/article/view/872. Acesso em: 30 mar. 2026.