S. Rasheed, Doaa, Mohammed A. Alsalem, and Odai Enaizan. 2025. “Unveiling Digital Wallets Adoption in Developing Countries: A Dual-Factor Approach of Enablers and Inhibitors Impacting User Intentions”. TANMIYAT AL-RAFIDAIN 44 (146):369-89. https://doi.org/10.33899/tanra.2025.187888.1434.