EVOLVING CONSUMER PAYMENT PREFERENCES IN NIGERIA: AN EMPIRICAL ANALYSIS OF THE TRANSITION FROM ATM TO POS TRANSACTIONS. Journal of the Management Sciences, [S. l.], v. 62, n. 1, p. 346–363, 2025. Disponível em: https://journals.unizik.edu.ng/jfms/article/view/6945. Acesso em: 23 jun. 2026.