id	keyword
ijtc-1512	south
ijtc-1512	south africa
ijtc-1512	cheques
ijtc-1512	payment
ijtc-1512	journal
ijtc-1512	bank
ijtc-1512	https://www.ilomata.org/index.php/ijtc
ijtc-1512	review
ijtc-1512	management
ijtc-1512	african
ijtc-1512	impact
ijtc-1512	banking
ijtc-1512	literature
ijtc-1512	phasing
ijtc-1512	covid-19
ijtc-1512	tax
ijtc-1512	accounting
ijtc-1512	abrahams
ijtc-1512	pretorius
ijtc-1512	services
ijtc-1512	cash
ijtc-1512	transactions