Inetimi Roseline (PhD), Damian-Okoro,. “EFFECTIVENESS OF MOBILE MONEY AND DIGITAL PAYMENT SYSTEMS IN SHAPING CONSUMER SPENDING IN NIGERIA”. BW Academic Journal 2 (April 7, 2025). Accessed July 10, 2026. https://mail.bwjournal.org/index.php/bsjournal/article/view/2907.