Ikart EM. MOBILE MONEY AND ARCHETYPE FOR UNDERSTANDING END-USERS ADOPTION BEHAVIOURAL FACTORS VIZ. SOCIOECONOMIC,CULTURAL AND POLITICAL FACTORS IN SUB-SAHARAN AFRICA. JISDT [Internet]. 2022 Dec. 1 [cited 2025 Aug. 23];4(2). Available from: https://journals.iium.edu.my/kict/index.php/jisdt/article/view/307