“EXPLORING DIGITAL DISTRUST AND E-PAYMENT ADOPTION AMONG RURAL ADULTS IN CROSS RIVER STATE, NIGERIA: IMPLICATIONS FOR THE ADVANCEMENT OF FINTECH DEVELOPMENT” (2025) International Journal of Functional Research in Arts and Humanities (IJFRAH), 3(2), pp. 155–160. Available at: https://www.ijfrah.com/journal/article/view/69 (Accessed: 21 August 2025).