Fasola, Olugbemi Olusanjo, Ugochukwu Onwudebelu, Achu Edim Etta, and Ali Harrison Ugadu. “An Escrow-Based Peer-to-Peer Online Payment System for Fraud Reduction”. Methods in Science and Technology Studies 2, no. 1 (June 13, 2026): 116–130. Accessed June 26, 2026. https://journal.futuristech.co.id/index.php/msts/article/view/485.