DR. ADEBAYO OKAFOR. FinTech Adoption and Financial Inclusion: Evidence from Developing Countries. The Sankalpa: International Journal of Management Decisions, [S. l.], v. 2, n. 2, p. 33–50, 2016. Disponível em: https://www.thesankalpa.org/ijmd/article/view/20. Acesso em: 4 feb. 2026.