Dzokoto, V. A., E. N. Appiah, L. P. Chitwood, and M. L. Imasiku. “The Changing Face of Money: Preferences for Different Payment Forms in Ghana and Zambia”. Journal of Applied Business and Economics, vol. 18, no. 4, Aug. 2016, https://articlegateway.com/index.php/JABE/article/view/860.