S. . Madhavedi, W. C. . Hoo, K. W. . Goh, C. H. . Liau, A. Y. . Cheng, and R. K. . Pandey, “Understanding the Dynamics of Cashless Payment System: The Effects of Technology Advancement, Security Concerns, and Competition on Merchant Adoption in Hyderabad, India”, JoE, vol. 3, no. 7, pp. 1878–1893, Oct. 2024.