1.
Siame W, Chibesa K. The cost-convenience paradox: How merchant fees shape electronic payment adoption among micro, small, and medium enterprises and their customers in Lusaka, Zambia. AJERNET [Internet]. 2026 Mar. 24 [cited 2026 May 30];7(1):1411-9. Available from: https://ajernet.net/ojs/index.php/ajernet/article/view/1680