S. Rasheed, D., M. A. Alsalem, and O. Enaizan. “Unveiling Digital Wallets Adoption in Developing Countries: A Dual-Factor Approach of Enablers and Inhibitors Impacting User Intentions”. TANMIYAT AL-RAFIDAIN, vol. 44, no. 146, June 2025, pp. 369-8, doi:10.33899/tanra.2025.187888.1434.