HASSOON, A. R. THE IMPACT OF ELECTRONIC PAYMENT SYSTEMS ON ENHANCING THE COMPETITIVENESS OF GOVERNMENT INSTITUTIONS IN LIGHT OF DIGITAL TRANSFORMATION. Kyzylorda Scholarly Review, [S. l.], v. 3, n. 3, p. 216–238, 2026. Disponível em: https://bulletin.ouk.kz/index.php/bulletin/article/view/89. Acesso em: 11 sep. 2026.