Santos, F. R. R. L., Ferreira, F. A. F., & Meidutė-Kavaliauskienė, I. (2018). Perceived key determinants of payment instrument usage: a fuzzy cognitive mapping-based approach. Technological and Economic Development of Economy, 24(3), 950-968. https://doi.org/10.3846/20294913.2016.1261374