Takon, Samuel M., Ebele S. Nsofor, Sebastine Ugochukwu Ugwuegbe, Nnenna G. Nwonye, and Celestin C. Ekeh. 2019. “Impact of Digital Payment System on the Efficiency of the Nigerian Banking Sector”. Journal of Economics, Finance and Accounting Studies 1 (1): 19-27. https://al-kindipublishers.org/index.php/jefas/article/view/421.