E. E. Marandu, B. . Kealesitse, and C. . Motswaborwa, “Predicting Intention and Actual Use of Mobile Money Using the Technology Acceptance Model: The Case of University of Botswana Students”, NJMS, vol. 5, no. 1, pp. 26–32, Jun. 2022, Accessed: May 17, 2025. [Online]. Available: https://journals.ium.edu.na/index.php/njms/article/view/6