F. Chen, C. X. Ma, E. Loh, X. R. Lim, Z. L. Low, and S. S. K. Foo, “The Role of Digital Payments in Financial Development: Comparative Analysis Between BRICS and G7 Countries, with Implications for Central Bank Digital Currencies (CBDCs)”, IJBF, vol. 21, no. 2, pp. 60–80, Jul. 2026, doi: 10.32890/ijbf2026.21.2.4.