“…Studies by Friedman (2022); Sui, Ding, Zu and Zhao (2022); Ash, Morelli and Vannoni (2020); and Das (2017) termed as the first group of literature review were conducted in countries other than Nigeria; thus, differences in location alone justify the conduct of the current study. Conversely, Lekaga (2020); Morgan, Okon, and Emu (2019); Dominic and Peter (2018); Murana, Olayinka and Omotayo (2016) and Garba and Jirgi (2014)termed as the second group of literature review were conducted in Nigeria; thus, there is no differences in location here. However, for both the first and second group of reviewed literature, there are differences in the population or sample type, size, sampling method, research method, data collection, data analysis (National University United States of America, 2024) that justify the conduct of this study.…”