BARRIERS TO EFFECTIVE E-LEARNING ADOPTION IN DEVELOPING COUNTRIES: A CROSS-SECTIONAL STUDY. Smartify: Journal of Smart Education and Pedagogy, [S. l.], v. 1, n. 3, p. 42–50, 2024. Disponível em: https://researchvision.us/index.php/smartify/article/view/83. Acesso em: 1 nov. 2026.