SIAME, Wezi; CHIBESA, Kampamba. The cost-convenience paradox: How merchant fees shape electronic payment adoption among micro, small, and medium enterprises and their customers in Lusaka, Zambia. African Journal of Empirical Research, [S. l.], v. 7, n. 1, p. 1411–1419, 2026. DOI: 10.51867/ajernet.7.1.119. Disponível em: https://ajernet.net/ojs/index.php/ajernet/article/view/1680. Acesso em: 30 may. 2026.