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Evans, Olaniyi (2022): Social and institutional determinants of digital financial inclusion in Africa: A system GMM Approach. Published in: Actual Problems in Economics No. 247 (2022): pp. 49-62.

Wale-Awe, Olawale and Evans, Olaniyi (2023): Financial inclusion through digital channels and the growth-inequality-poverty triangle: Evidence from Africa. Published in: Nigerian Journal of Banking and Financial Issues , Vol. 9, No. 2 (2023): pp. 53-68.