ADENIKE, Awolowo. Cashless Policy Transitions and Currency Substitution: Nigeria’s 2012-2022 Evolution Compared with Sweden, China, South Korea, and US Instant Payments Via Fednow. Research Journal in Business and Economics, [S. l.], v. 1, n. 1, p. 236–247, 2023. DOI: 10.61424/rjbe.v1i1.925. Disponível em: https://bluemarkpublishers.com/index.php/RJBE/article/view/925. Acesso em: 22 jul. 2026.