ADAM K. KYARI AND YUSUF O. AKINWALE. AN ASSESSMENT OF THE LEVEL OF ADOPTION OF FINANCIAL TECHNOLOGY BY NIGERIAN BANKS. African Journal of Science Policy and Innovation Management, [S. l.], v. 1, n. 1, p. 118-130, 2020. Disponível em: https://ajspim.oauife.edu.ng/index.php/ajspim/article/view/21. Acesso em: 11 may. 2026.