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 3, no. 1 (August 29, 2026): 1–11. Accessed September 10, 2026. https://ijad.com.ng/index.php/ijad/article/view/71.