MJMS says thank you to authored/co-authored by 38 authors from 3 countries (Nepal (), Nigeria (), and Malaysia ()):

1. Nepal Commerce Campus, Tribhuvan University, Nepal
2. Federal University Wukari, Taraba State, Nigeria
3. Universiti Sains Malaysia, Penang, Malaysia
4. Federal Polytechnic, Ile-Oluji, Nigeria
5. University of Ibadan, Nigeria
6. Chrisland University, Ogun State, Nigeria
7. Osun State College of Technology, Osun State, Nigeria
8. Prema Consulting, Department of Digital Banking Services and Research, Nigeria
9. Soft Corridor Limited, Abuja, Nigeria
10. Federal Universtiy Wukari, Taraba State, Nigeria
11. Ajayi Crowther University Oyo, Nigeria
12. Landmark University, Omu-Aran, Nigeria
13. Federal University of Technology, Minna, Niger State, Nigeria
14. Osun State University Osogbo, Nigeria
15. Federal Polytechnic, Mubi, Adamawa State, Nigeria
16. Modibbo Adama University, Yola, Adamawa State, Nigeria

MJMS says thank you to authored/co-authored by 27 authors from 4 countries (Nepal (), India (), Nigeria (), and Turkey ()):

1. Federal University Wukari, Taraba State, Nigeria
2. Trichandra Campus, Tribhuvan University, Nepal
3. Dr. C. V. Raman University, Bilaspur, India
4. Sivas University of Science and Technology, Sivas, Turkey
5. Creative Associates International, Abuja, Nigeria
6. Rajarshi Janak University, Janakpurdham, Nepal
7. Modibo Adama University, Yola, Nigeria
8. Dhawalagiri Multiple Campus, Nepal
9. University of Abuja, Nigeria
10. Thakur Ram Campus, Birgunj, Nepal
11. Kwararafa University Wukari, Nigeria
12. College of Education, Zing, Taraba State, Nigeria
13. R.R.M. Campus, T.U., Nepal

MJMS says thank you to authored/co-authored by 22 authors from 3 countries (Nepal (), Indonesia (), and Nigeria ()):

1. Federal University Wukari, Taraba State, Nigeria
2. Trichandra Campus, Tribhuvan University, Nepal
3. Mulawarman University, Indonesia
4. Kwararafa University Wukari, Nigeria
5. Tribuana Kalabahi University, Indonesia
6. Abubakar Tafawa Balewa University, Nigeria
7. Institute of Management and Technology, Enugu, Nigeria

MJMS says thank you to authored/co-authored by 5 authors from 2 countries (Nepal (), and Nigeria ()):

1. M.I.T. Campus, T.U, Janakpur, Nepal
2. University of Maiduguri, Maiduguri, Nigeria
3. R.R.M. Campus, Janakpur Dham, Tribhuvan University, Nepal
4. Borno State University, Maiduguri, Nigeria

MJMS says thank you to authored/co-authored by 5 authors from 2 countries (Nepal (), and Indonesia ()):

1. M.I.T. Campus, T.U, Janakpur, Nepal
2. Trichandra Campus, Tribhuvan University, Nepal
3. Thakur Ram Campus, Birgunj, Nepal
4. Udayana University, Indonesia
5. Gadjah Mada University, Indonesia

MJMS says thank you to authored/co-authored by 14 authors from 2 countries (Nepal (), and India ()):

1. M.I.T. Campus, T.U, Janakpur, Nepal
2. Kathmandu University, Dhulikhel, Kathmandu, Nepal
3. Thakur Ram Campus, Birgunj, Nepal
4. Trichandra Campus, Tribhuvan University, Nepal
5. Dr. C. V. Raman Univerity, Bilaspur, India
6. Mid-West University, Surkhet, Nepal