Enhancing Usability and Reliability in Digital Payment Platforms: Overcoming the Adoption Challenges. - Aatish Shrestha; Abhijeet Sharma Poudel; Yugesh Upadhyaya Luitel; Arpan Koirala; Rushab Humagain; Sushil Shrestha; Prashant Poudel (Int. J. Hum. Comput. Interact., 2025)