INETIMI ROSELINE (PHD), . . . D.-O. . EFFECTIVENESS OF MOBILE MONEY AND DIGITAL PAYMENT SYSTEMS IN SHAPING CONSUMER SPENDING IN NIGERIA. BW Academic Journal, [S. l.], 2025. Disponível em: https://bwjournal.org/index.php/bsjournal/article/view/2880. Acesso em: 17 apr. 2026.