1.
Oloveze A, Oteh OU, Obasi RO, Kevin C, Onya VO, Ibok IN. Socio-Economic Determinants of Pan-African Digital Payments Among Small Marketing Businesses. jtmb. 2024;11(1):122-135. Accessed July 22, 2026. https://publisher.uthm.edu.my/ojs/index.php/jtmb/article/view/17197