IMPACT OF USER PERCEPTIONS ON DIGITAL FINANCIAL SERVICE USAGE: EVIDENCE FROM RURAL HOUSEHOLDS IN THE SAURASHTRA REGION. NOLEGEIN- Journal of Business Risk Management, [S. l.], v. 9, n. 2, 2026. Disponível em: https://mbajournals.in/index.php/JoDBCM/article/view/1934. Acesso em: 2 aug. 2026.