Ogunjide O, Ukatu C, Juwah NJ, Oreoluwa S, Owoola-Adebayo S. The Future of Contactless Payments: A Comparative Study of Adoption Trends in Emerging Vs. Developed Markets. Am. J. Financ. Inst. 2025;3(1):81-88. doi:10.54536/ajfti.v3i1.4554