Okoh, Johnson I., Sandra A. Uzuh, Okuji O. Oreh, Solomon Ale, Nnamdi T. Chukwuto, and Ewere S. Obieze. “Rough Edges of Nigeria’s Digital Payment Ecosystem: Forg Ing a Strategic Way Forward”. GVU Journal of Management and Social Sciences 10, no. 2 (December 28, 2025): 35–42. Accessed April 11, 2026. https://gvucolmass.site/index.php/gvu-jmss/article/view/5.