Yusuf, Ahmed Mogauri, Muhammad Auwal Kabir, and Iklimatu Adamu Umar. “Determinants of E-Naira Use Intention Among Undergraduate Students in Nigerian Tertiary Institutions”. International Journal of Intellectual Discourse 7, no. 2 (June 30, 2024): 349–361. Accessed February 3, 2025. https://ijidjournal.org/index.php/ijid/article/view/609.