Moonde, Chimuka, and Jackson Phiri. “An Investigation of the Factors Influencing the Utilization of E-Wallets in Higher Learning Institutions in Zambia Using Technology Acceptance Model”. Zambia ICT Journal 5, no. 1 (May 31, 2021): 24-29. Accessed June 15, 2021. https://ictjournal.icict.org.zm/index.php/zictjournal/article/view/110.