Dlodlo, N. “Re-Thinking a Structural Model for M-Phone Paying Among South African Consumers”. Journal of Economics and Behavioral Studies 9, no. 2(J) (May 18, 2017): 114–130. Accessed October 25, 2026. https://amhinternational.com/jebs/article/view/2880-re-thinking-a-structural-model-for-m-phone-paying-among-south-african-consumers.