Mugari, Ishmael. “Cyberspace Enhanced Payment Systems in the Zimbabwean Retail Sector: Opportunities and Threats”. International Journal of Economics and Financial Issues 7, no. 3 (June 29, 2017): 760–767. Accessed April 20, 2025. https://mail.econjournals.org.tr/index.php/ijefi/article/view/4988.