Ogunjide, O., C. Ukatu, N. Juwah Juwah, S. Oreoluwa, and S. Owoola-Adebayo. 2025. “The Future of Contactless Payments: A Comparative Study of Adoption Trends in Emerging Vs. Developed Markets”. American Journal of Financial Technology and Innovation 3 (1): 81-88. https://doi.org/10.54536/ajfti.v3i1.4554.