Yahaya, S. ., Aliyu Shinkafi, A. ., Abdullahi, M. ., Shehu Kura, . S. and Yusuf Saleh, L. . (2025) “A survey of determining factors of eNaira adoption in Nigeria. ”, International Journal of Intellectual Discourse, 8(4). Available at: https://ijidjournal.org/index.php/ijid/article/view/996 (Accessed: 25December2025).