@misc{taiwotemidayojohn2026_onlinepaymentsinrwanda,
  author = {Taiwo Temidayo John},
  title = {Online Payments in Rwanda - Exploring Gaps and Proposing Possible a Possible Solution},
  year = {2026},
  publisher = {African Leadership Univerisity},
  url = {https://inrepscholar.com/african-leadership-univerisity/projects/973}
}