MJAEI says thank you to authored/co-authored by 14 authors from 3 countries (Nigeria (), United States (), and Nepal ()):

1. University of Ibadan, Nigeria
2. Quantic School of Business and Technology, Washington, DC, USA
3. Ratna Raj Laxmi Campus, Exhibition Road, Nepal
4. Georgia Southern University, Georgia, USA
5. Prema Consulting, Department of Digital Banking Services and Research, Nigeria
6. North Carolina Agricultural and Technical State University, USA
7. Tri-Chandra Campus, Tribhuvan University, Nepal
8. Soft Corridor Limited, Abuja, Nigeria
9. MIT Campus, T.U. Janakpurdham-45600 Nepal
10. Ajayi Crowther University, Nigeria
11. Federal University Wukari, Taraba State, Nigeria

MJAEI says thank you to authored/co-authored by 16 authors from 3 countries (Nepal (), Nigeria (), and United States ()):

1. Rajarshi Janak University, Janakpurdham, Nepal
2. Western Illinois University, USA
3. Adamawa State University, Mubi, Adamawa State, Nigeria
4. Tribhuvan University, Nepal
5. Illinois Institute of Technology, Illinois USA
6. Modibbo Adama University, Yola, Adamawa State, Nigeria
7. R.R.M. Campus, T.U., Nepal
8. National Louis University Chicago, Illinois, USA
9. Ahmadu Bello University Zaria, Nigeria
10. Gombe State University, Gombe, Nigeria
11. Adamawa State Polytechnic, Yola Adamawa State, Nigeria

MJAEI says thank you to authored/co-authored by 20 authors from 3 countries (Nepal (), Indonesia (), and Nigeria ()):

1. National Centre for Artificial Intelligence and Robotics, Abuja, Nigeria
2. Mid-Western University, Surkhet, Nepal
3. Ganesha University of Education, Indonesia
4. Federal University of Agriculture, Makurdi, Benue State, Nigeria
5. Rajarshi Janak University, Janakpurdham, Nepal
6. Ladoke Akintola University of Technology, Ogbomoso, Nigeria
7. M.I.T. Campus, Janakpurdham, Nepal
8. Udayana University, Indonesia
9. Osun State University, Nigeria
10. Institute of Management and Technology, Enugu, Nigeria
11. University of Ilorin, Nigeria
12. University of Benin, Nigeria
13. Yaba College of Technology, Nigeria
14. Abubakar Tafawa Balewa University, Bauchi, Nigeria
15. Modibbo Adama University, Yola, Nigeria
16. Prema Consulting, Department of Digital Banking Services and Research, Nigeria

MJAEI says thank you to authored/co-authored by 9 authors from 2 countries (Nepal (), India (), and Nigeria ()):

1. Rajarshi Janak University, Janakpurdham, Nepal
2. Modibbo Adama University Yola, Adamawa State, Nigeria
3. Kathmandu University, Kathmandu, Nepal
4. Thakur Ram Multiple Campus, Nepal
5. Government Science and Technical College Gombe, Gombe State, Nigeria
6. Trichandra Collage, Tribhuvan University, Nepal
7. Modibbo Adama University Yola, Adamawa State, Nigeria
8. M.I.T. Campus, T.U., Nepal
9. R.R.M. Campus, Jankpurdham, Nepal

MJAEI says thank you to authored/co-authored by 15 authors from 3 countries (Nepal (), India (), and Nigeria ()):

1. Rajarshi Janak University, Janakpurdham, Nepal
2. Dr. C. V. Raman University, Bilaspur, Chaattisgarh, India
3. Sokoto State University, Sokoto State, Nigeria
4. Kathmandu University, Nepal
5. Trichandra Campus, Nepal
6. Thakur Ram Multiple Campus, Nepal
7. MIT Campus, T.U., Janakpurdham, Nepal
8. R.R.M. Campus, T.U., Janakpurdham, Nepal