Goshu, B. S., and Muhammad Ridwan. “A Systematic Literature Review of Digital Payment in Ethiopia: Challenges, User Satisfaction, and Socio-Economic Impact”. Economit Journal: Scientific Journal of Accountancy, Management and Finance, Vol. 6, no. 2, Aug. 2026, pp. 106-27, https://biarjournal.com/index.php/economit/article/view/1562.