[1]
“The Frictionless Dirham: An Empirical Analysis of Cashless Payment Systems and Consumer Spending Habits in Dubai”, IJBMV, vol. 9, no. 2, pp. 1–18, Sep. 2026, Accessed: Sep. 21, 2026. [Online]. Available: https://ijbmv.com/index.php/home/article/view/183