THE EFFECT OF DIGITAL PAYMENT SYSTEMS ON FINANCIAL PERFORMANCE OF SMALL RETAILERS: EVIDENCE FROM A SOCIAL MEDIA-BASED SURVEY IN NIGERIA. NOLEGEIN-Journal of Supply Chain and Logistics Management, [S. l.], v. 9, n. 2, 2026. Disponível em: https://mbajournals.in/index.php/JoSCLM/article/view/1940. Acesso em: 23 jul. 2026.