Rahman, Md Munim, Sayeed Al Parvej, Minhaz Udddin Akbar, Anton Chernetsov, and Altaf Hussain Pirzado. “The Digital Payment–Expenditure Nexus: Examining Technology Readiness As a Boundary Condition in Bangladesh’s E-Commerce Sector”. The Regional Tribune 5, no. 1 (January 20, 2026): 1–19. Accessed January 23, 2026. https://submissions.regionaltribune.com/index.php/trt/article/view/183.