Financial Functions and New Trends. Journal of Commerce and Trade , "Meerut, India", v. 9, n. 1, p. 82–88, 2014. DOI: 10.26703/jct.v9i1.155. Disponível em: https://www.jctindia.org/index.php/jct/article/view/a14-vpm. Acesso em: 4 may. 2025.