EL HAMIDI Nabil, AIT HBIBI Amina, MAKHROUT Samir, and ERRASSAA Noureddine. 2020. “The Adoption of Digital Loyalty Programs through Fintech: An Analysis of Moroccan SMEs through Transaction Cost Theory”. International Journal of Financial Accountability, Economics, Management, and Auditing (IJFAEMA) 2 (3):22-34. https://doi.org/10.5281/zenodo.13993427.