References
Agbo, M. (2015). Assessment of the use of social media for sports communication in South-East States of Nigeria. The Nigerian Journal of Communication, 12(1), 298-316. Faminu (2021) How MSMEs in Nigeria can accelerate growth optimizing digitalization, technology. Retrieved from https://businessday.ng/news/article/how-msmes-in-nigeria- can-accelerate-growth-optimizing-digitalization-technology Fruhling, A. L, and Digman, L. A. (2000). The Impact of Electronic Commerce On Business-Level Strategies. Journal of Electronic Commerce Research, 1(1), 2000. Gilani, N. (2010). Advantages & Disadvantages of Electronic Banking | Sapling.com. Sapling.com. Retrieved 21 January 2018, from https://www.sapling.com/6706117/advantages-disadvantages-electronic-banking. Keivani, F.S.; Jouzbarkand, M.; Khodadadi, M.; Sourkouhi, Z.K. (2012) A General View on the E-banking, International Proceedings of Economics Development & Research. 43 Mangold and Faulds (2009). Social Media: The New Hybrid Element of the Promotion Mix. Journal of Business Horizons, 52, 357-365 Mckinsey (2023). What is e-commerce. Retrieved from https://www.mckinsey.com/ Meng, F. and Wang, W. (2003). The impact of digitalization on enterprise value creation: an empirical analysis of Chinese manufacturing enterprise. Journal of Innovation & Knowledge 8 National MSMEs Collaborative Survey (2010)). Survey Report on Micro, Small, And Medium Enterprises In Nigeria Nigudge, S., and Pathan, M. (2014). E-banking: Services, Importance in Business, Advantages, Challenges and Adoption in India. Vol. 2(3) pg. 190 - 192. Oztamur, D. and Karakadilar, I. (2014). Exploring the role of social media for SMEs: a new marketing strategy tool for firm performance perspectives. Procedia-social and Behavioural Sciences, 150, 511- 520. Paquette, H. (2013). Social media as a marketing tool. Retrieved from http://digitalcommons.urs.edu/tmd major-papers 2. Porter, E. M. (2001). Strategy and the internet. Boston, MA: Harvard Business School Publishing Coorporation. Rice, M. (2003). Information and communication technologies and the global digital divide: Technology transfer, development, and least developing countries. Comparative Technology Transfer and Society, 1(1), 72–88. Roberts and Zahay (2013). Internet marketing, integrating online & offline strategies. Pearson. USA Tracy L.Tuten, Michael R. Solomon (2014) Social Media Marketing SAGE Publications, Edition 2, unabridged Vuorikari, R, Punie, Y, Gomez, S., and Van Den Brande (2016). DigComp 2.0: The Digital Competence Framework for Citizens. Update Phase 1: The Conceptual Reference Model. Technical report, JRC-Seville site. White, R. (2023). How to boost ecommerce sales: 15 proven tactics Zhou, X., Smith, C.J.M. and Al-Samarraie, H. Digital technology adaptation and initiatives: a systematic review of teaching and learning during COVID-19. J Comput High Educ (2003).https://doi.org/10.1007/s12528-023-09376-z
