Adhikari, Basanta Prasad, Dipendra Silwal, and Susant Tiwari. “Factors Affecting Customers’ Motivation to Online Payment Systems in Bharatpur Metropolitan City”. OCEM Journal of Management, Technology & Social Sciences 4, no. 1 (January 20, 2025): 105–124. Accessed March 10, 2025. https://nepjol.info./index.php/ocemjmtss/article/view/74753.