“DEMOGRAPHIC FACTORS INFLUENCING THE ADOPTION OF DIGITAL PAYMENT METHODS: A STATISTICAL ANALYSIS OF USER PREFERENCE”, JOM, vol. 11, no. 3, pp. 1–15, Sep. 2024, Accessed: Mar. 23, 2026. [Online]. Available: https://iaeme-library.com/index.php/JOM/article/view/JOM_11_03_001