Uzoaru, Chinonso. “Applying the Technology-Organization-Environment (TOE) Framework to Understand E-Commerce Adoption in Nigerian SMEs: A Literature Review: (TOE) Framework to Understand E-Commerce Adoption in Nigerian SMEs”. International Journal of Management, Accounting, Governance and Education 5, no. 2 (December 8, 2025). Accessed October 29, 2026. https://ojs.unirazak.edu.my/index.php/image/article/view/108.