APA (7th ed.) Citation
Barnard, H. (2026). Adoption of digital payments at the merchant level: A structured literature review. University of Pretoria.
Chicago Style (17th ed.) Citation
Barnard, Helena. Adoption of Digital Payments at the Merchant Level: A Structured Literature Review. University of Pretoria, 2026.
MLA (9th ed.) Citation
Barnard, Helena. Adoption of Digital Payments at the Merchant Level: A Structured Literature Review. University of Pretoria, 2026.
Warning: These citations may not always be 100% accurate.