Musa, Abbas, and Najeeb Abbas Al-Sammarraie. “The Role of Perceived Value and Risk in USSD Mobile Banking Adoption”. FUDMA Journal of Renewable and Atomic Energy 1, no. 2 (December 28, 2024): 124–134. Accessed June 30, 2026. https://fjorae.fudutsinma.edu.ng/index.php/fjorae/article/view/44.