Nascimento, R.S. do et al. (2026) “THE ECONOMIC EFFICIENCY OF THE INSTANT PAYMENT SYSTEM (PIX) IN RETAIL IN CAUCAIA (2021–2025): AN ANALYSIS OF THE REDUCTION IN TRANSACTION COSTS BASED ON SECONDARY DATA”, Revista Ibero-Americana de Humanidades, Ciências e Educação, 12(4), pp. 1–15. doi:10.51891/rease.v12i4.25939.