id	author	title	date	pages	extension	mime	words	sentence	flesch	summary	cache	txt
ajfti-4554	Ogunjide, O.; Ukatu, C.; Juwah, N. Juwah; Oreoluwa, S.; Owoola-Adebayo, S.	The Future of Contactless Payments: A Comparative Study of Adoption Trends in Emerging Vs. Developed Markets.	2025	9	.pdf	application/pdf	6135	334	37	Nevertheless, it is expected that rising penetration of smartphones, financial literacy programs, and regulatory improvements will increase the velocity of digital payment adoption. The main barrier to digital payment adoption that is seamless is its regulatory inconsistencies.	cache/ajfti-4554.pdf	txt/ajfti-4554.txt