INETIMI ROSELINE (PHD), . . D.-O. . EFFECTIVENESS OF MOBILE MONEY AND DIGITAL PAYMENT SYSTEMS IN SHAPING CONSUMER SPENDING IN NIGERIA. BW Academic Journal, [S. l.], v. 2, 2025. Disponível em: https://mail.bwjournal.org/index.php/bsjournal/article/view/2907. Acesso em: 10 jul. 2026.