CINAJ, Valbona; RIBAJ, Artur. The use of credit cards and consumer access models: Patterns of use in Albanian banks. Optime, [S. l.], v. 17, n. 1, p. 231–243, 2025. DOI: 10.55312/op.v17i1.7276. Disponível em: https://albanica.al/optime/article/view/7276. Acesso em: 29 apr. 2026.