Chauruka, M., M. Kamoyo, and W. Manyanga. “Structural and Behavioral Determinants of Digital Payment Platform Adoption in a Multi-Currency Rural Economy: Evidence from Gutu District, Zimbabwe”. Journal of Management Sciences, Innovation, and Technology, vol. 2, no. 2, June 2026, https://journals.cut.ac.zw/index.php/JMSIT/article/view/549.