Bhim Kumar Thapa, Ramesh Rasik Paudel, & Rajesh Kumar Chaulagain. (2026). E-Service Quality as a Formative Higher-Order Construct: Mediating Role of Usefulness in Intention to Use E-Cards in Nepalese Digital Era. Contemporary Research: An Interdisciplinary Academic Journal, 9(1), 49–67. https://doi.org/10.3126/craiaj.v9i1.96040