Chapters by Dr. Charles Ayo

• Book Chapter Further Development of a Secured Unified E-Payment System in Nigeria: A Critical Viewpoint
  by Charles K. Ayo and Wilfred Isioma Ukpere in the book "E-Business - Applications and Global Acceptance" edited by Princely Ifinedo, ISBN 978-953-51-0081-2, InTech, February 2, 2012