TORRES, Josef. INTERNET OF THINGS AND ITS ROLE IN FINANCIAL STABILITY AND GROWTH. Excellencia: International Multi-disciplinary Journal of Education (2994-9521), [S. l.], v. 1, n. 2, p. 221–230, 2024. DOI: 10.5281/. Disponível em: https://multijournals.org/index.php/excellencia-imje/article/view/1811. Acesso em: 10 nov. 2025.