Diffusion of Innovation vs. Dependence Theory: FinTech Inclusion in the AfCFTA Era. Journal of Financial and Management Sciences, [S. l.], v. 1, n. 3, p. 45–107, 2025. DOI: 10.70970/k5vata53. Disponível em: https://jfms.uok.ac.rw/index.php/jfms/article/view/191. Acesso em: 16 aug. 2025.