“THE IMPACT OF DIGITAL PAYMENT GATEWAYS ON SMALL AND MEDIUM ENTERPRISES (SMES): A GLOBAL PERSPECTIVE”, IJFANS, vol. 12, no. 1, pp. 6997–7005, Jan. 2023, Accessed: Sep. 04, 2026. [Online]. Available: https://ijfans.org/index.php/Journal/article/view/2532