Chinoda, Tough, and Joseph Olorunfemi Akande. “Financial Inclusion, Mobile Phone Diffusion, and Economic Growth; Evidence from Africa”. International Journal of Economics and Financial Issues 9, no. 5 (September 3, 2019): 104–110. Accessed May 21, 2022. https://www.econjournals.com/index.php/ijefi/article/view/8256.