Dzokoto, V. A., Appiah, E. N., Chitwood, L. P. and Imasiku, M. L. (2016) “The Changing Face of Money: Preferences for Different Payment Forms in Ghana and Zambia”, Journal of Applied Business and Economics, 18(4). Available at: https://articlegateway.com/index.php/JABE/article/view/860 (Accessed: 22 July 2024).