Okoli, Tochukwu Timothy, and Devi Datt Tewari. “Determinants of Penetration of Financial Technology Among the Heterogeneous African Economies”. Indian Journal of Finance 15, no. 11 (November 15, 2021): 25–40. Accessed August 6, 2025. https://www.indianjournalofcapitalmarkets.com/index.php/IJF/article/view/166830.