Yahaya, S. ., A. . Aliyu Shinkafi, M. . Abdullahi, . S. Shehu Kura, and L. . Yusuf Saleh. “A Survey of Determining Factors of ENaira Adoption in Nigeria”. International Journal of Intellectual Discourse, vol. 8, no. 4, Dec. 2025, https://ijidjournal.org/index.php/ijid/article/view/996.