Kibona, Lusekelo. “Digital Dividends for All: The Role of PalmPay and Blockchain in Supporting Inclusive and Green Marketing in Iringa Municipal”. Digital Technologies Research and Applications 4, no. 3 (December 25, 2025): 174–194. Accessed July 15, 2026. https://oldojs.ukscip.com/index.php/dtra/article/view/1495.