“BARRIERS TO EFFECTIVE E-LEARNING ADOPTION IN DEVELOPING COUNTRIES: A CROSS-SECTIONAL STUDY”, Smartify: Journal of Smart Education and Pedagogy, vol. 1, no. 3, pp. 42–50, Dec. 2024, Accessed: Nov. 01, 2026. [Online]. Available: https://researchvision.us/index.php/smartify/article/view/83