Rizvi, S. Y. ., R. . Farooqi, M. S. Ramish, and M. . Yasir. “Factors Influencing SMEs’ Adoption of Mobile Payments: The Mediating Role of Trust in Technology”. Journal of Social and Organizational Matters, vol. 4, no. 3, Aug. 2025, pp. 99-117, doi:10.56976/jsom.v4i3.269.