SARMIENTO, Allen Grace M. Fintech for the Masses: Mapping Digital Financial Inclusion Research in Developing Countries. International Journal of Multidisciplinary: Applied Business and Education Research, Malang, Indonesia, v. 6, n. 10, p. 5012–5024, 2025. DOI: 10.11594/ijmaber.06.10.13. Disponível em: https://www.ijmaberjournal.org/index.php/ijmaber/article/view/2880. Acesso em: 26 jan. 2026.