EXAMINING THE DETERMINANTS OF CONSUMER TRUST TOWARDS ELECTRONIC COMMERCE ADOPTION INTENTIONS: EVIDENCE FROM UNIVERSITY STUDENTS IN COPPERBELT, ZAMBIA. (2026). Kwame Nkrumah University Multi-Disciplinary Journal - Zambia, 3(1), 24-44. https://accessjournal.nkrumah.edu.zm/index.php/knuj/article/view/101