Carolino, Yasmin Conolly, Pedro Paulo Santos Cavalcante, Thelma Valéria Rocha, and Marcelo Gabriel. “Digital Maturity in Financial Services: An Application of the Berghaus and Back (2016) Model in Brazil”. Retail Management Review 5, no. 1 (May 14, 2025). Accessed May 20, 2025. https://rmr.emnuvens.com.br/rmr/article/view/66.