Determinants of Electronic Payment System Adoption in Nigeria: An Integrated Tam and Delone & Mclean Model Approach. International Journal of Latest Technology in Engineering Management & Applied Science, [S. l.], v. 15, n. 5, p. 2824–2839, 2026. DOI: 10.51583/IJLTEMAS.2026.150500231. Disponível em: https://www.ijltemas.in/submission/online/article/view/5000.. Acesso em: 15 jul. 2026.