“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), pp 24–44. Available at: https://accessjournal.nkrumah.edu.zm/index.php/knuj/article/view/101 (접근된: 2 11월 2026).