[1]
“EVOLVING CONSUMER PAYMENT PREFERENCES IN NIGERIA: AN EMPIRICAL ANALYSIS OF THE TRANSITION FROM ATM TO POS TRANSACTIONS”, jfms, vol. 62, no. 1, pp. 346–363, Oct. 2025, Accessed: Jun. 23, 2026. [Online]. Available: https://journals.unizik.edu.ng/jfms/article/view/6945