Borowski-Beszta, Mikołaj, Michał Polasik, Andrzej Meler, and Anna Borowska-Beszta. “NFC, Wearables and QR Code in POS Payments: Determinants of Adoption of the Leading Mobile Payment Technologies in Europe”. Copernican Journal of Finance & Accounting 13, no. 4 (March 7, 2025): 29–59. Accessed December 31, 2025. https://apcz.umk.pl/CJFA/article/view/59249.