From: Electronic payment adoption and consumers’ spending growth: empirical evidence from Nigeria
dlnMOBILE
dlnINTERNET
CointEq(− 1)
InMOBILE
InINTERNET
Dependent
dlnHOUSE
0.06 (0.02)**
0.06 (0.48)*
− 0.40(0.00)**
0.15 (0.02)**
0.07 (0.45)