Digital Financial Services Adoption and Financial Inclusion in Emerging Economies: Evidence from Nigeria. International Journal of Latest Technology in Engineering Management & Applied Science, [S. l.], v. 14, n. 10, p. 665–671, 2025. DOI: 10.51583/IJLTEMAS.2025.1410000083. Disponível em: https://www.ijltemas.in/submission/online/article/view/3363.. Acesso em: 15 mar. 2026.