Idowu, H. A. O, and I. T Akindele. “The Nigerian Cashless Economic Policy (2012-2015): A Review of Issues, Challenges and Prospects”. ILORIN JOURNAL OF ADMINISTRATION AND DEVELOPMENT, vol. 3, no. 1, Aug. 2026, pp. 1-11, https://ijad.com.ng/index.php/ijad/article/view/71.