Niroula A, Hamal S, Gajurel RP, Baral AK, Adhikari S. Challenges of Central Bank Digital Currency Implementation: A Review of Literature. JOM [Internet]. 2024 Dec. 31 [cited 2025 Mar. 10];7(1):14-26. Available from: https://nepjol.info./index.php/jom/article/view/73517