D. Karki, R. K. Dahal, B. Ghimire, and S. P. Joshi, “Customer Acceptance of Cheque Truncation and Electronic Clearing Services in Nepal”, NCC Jnl, vol. 9, no. 1, pp. 57–74, Dec. 2024, doi: 10.3126/nccj.v9i1.72246.