EL HAMIDI NABIL; AIT HBIBI AMINA; MAKHROUT SAMIR; ERRASSAA NOUREDDINE. The adoption of digital loyalty programs through fintech: an analysis of Moroccan SMEs through transaction cost theory. International Journal of Financial Accountability, Economics, Management, and Auditing (IJFAEMA), [S. l.], v. 2, n. 3, p. 22–34, 2020. DOI: 10.5281/zenodo.13993427. Disponível em: https://www.woas-journals.com/index.php/ijfaema/article/view/975. Acesso em: 21 jun. 2025.