Adhikari, Basanta Prasad, Dipendra Silwal, and Susant Tiwari. 2025. “Factors Affecting Customers’ Motivation to Online Payment Systems in Bharatpur Metropolitan City”. The OCEM Journal of Management, Technology, and Social Sciences 4 (1):105-24. https://doi.org/10.3126/ocemjmtss.v4i1.74753.