Edward A. Osifodunrin and  Jose Manuel Dias Lopes,  Participatory Financial Inclusion Hypothesis: A Preliminary Empirical Validation Using Survey Design.   journal   = {International Journal of Economics and Management Engineering}, [online]. World Academy of Science, Engineering and Technology.
    August 2021, vol. 176(8). 743 - 755
    [viewed 17 April 2024]. Available from: https://publications.waset.org/pdf/10012168.