Acharya, P., Poudel, O., & Simkhada, D. R. (2024). What Motivates People to Use Digital Transactions? The Dynamics of Subjective Norms, Perceived Behavior Control, Trust and Attitude. OCEM Journal of Management, Technology &Amp; Social Sciences, 3(1), 26–34. https://doi.org/10.3126/ocemjmtss.v3i1.62222