DETERMINANT OF DIGITAL FINANCIAL INCLUSION ADOPTION IN SUB SAHARAN AFRICA. Malete Journal of Accounting and Finance, [S. l.], v. 7, n. 1, p. 251–271, 2026. DOI: 10.63725/majaf.v7.i1.17. Disponível em: https://majaf.com.ng/index.php/majaf/article/view/399. Acesso em: 9 oct. 2026.