Analysis of the problems of creating effective adaptive payment systems in the environment of service platforms. Інформатика. Культура. Техніка, [S. l.], v. 2, p. 36–41, 2025. DOI: 10.15276/ict.02.2025.04. Disponível em: http://ict.op.edu.ua/index.php/journal/article/view/8. Acesso em: 4 mar. 2026.