1. Adetunji, O. M., & David-West, O. (2019). The relative impact of income and financial literacy on financial inclusion in Nigeria. Journal of International Development, 31(4), 312–335.
2. Alameda, T. (2020). Data, AI and financial inclusion: The future of global banking—Responsible finance forum, responsible finance forum BBVA 2020. Accessed at https://responsiblefinanceforum.org/data-ai-financial-inclusion-future-global-banking
3. Agur, I., Martinez, P. S., & Rochon, C. (2020). Digital financial services and the pandemic: Opportunities and risks for emerging and developing economies. International Monetary Fund Special Series on COVID-19 Transactions, 1, 2.
4. Beck, T. (2020). Fintech and financial inclusion: Opportunities and pitfalls (No. 1165). ADBI working paper series.
5. Berkmen, P., Beaton, M. K., Gershenson, M. D., del Granado, M. J. A., Ishi, K., Kim, M., ... & Rousset, M. M. V. (2019). Fintech in Latin America and the Caribbean: Stocktaking. International Monetary Fund.