CHALLENGES OF ELECTRONIC PAYMENT IN SELECTED STATE UNIVERSITIES IN SOUTH EAST NIGERIA, 2015-2022. INTERNATIONAL JOURNAL OF PUBLIC ADMINISTRATION AND DEVELOPMENT STUDIES , [S. l.], v. 2, n. 4, p. 43–54, 2025. Disponível em: http://ijpads.com/index.php/ijpads/article/view/59.. Acesso em: 12 nov. 2026.