MUSA, Abbas; AL-SAMMARRAIE, Najeeb Abbas. The Role of Perceived Value and Risk in USSD Mobile Banking Adoption. FUDMA Journal of Renewable and Atomic Energy, [S. l.], v. 1, n. 2, p. 124–134, 2024. DOI: 10.33003/fjorae.2024.0102.08. Disponível em: https://fjorae.fudutsinma.edu.ng/index.php/fjorae/article/view/44. Acesso em: 30 jun. 2026.