“Central Bank Digital Currency (CBDC) Adoption Challenges and Remittance Impacts: Empirical Evidence from Nigeria’s eNaira Compared with Global Retail Pilots and US Federal Reserve Policy Stance”, IJHIT, vol. 4, no. 01-03, pp. 214–233, Jan. 2022, doi: 10.21590/ijhit.04.01-3.16.