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APA Citation
Ayo, C., Mac-Eze, C., Adebiyi, A., Oni, A., Okesola, J., & Odun-Ayo, I. (2021). developing a Multi-factor Authentication-based Cardless Electronic Payment System. IOP conference series, 665(1), . http://access.bl.uk/ark:/81055/vdc_100126833249.0x00003d