Kangwa, D., Mwale, J.T. and Shaikh, J.M. 2021. CO-EVOLUTIONARY DYNAMICS OF FINANCIAL INCLUSION OF GENERATION Z IN A SUB-SAHARAN DIGITAL FINANCIAL ECOSYSTEM. Copernican Journal of Finance & Accounting. 9, 4 (Jun. 2021), 27–50. DOI:https://doi.org/10.12775/CJFA.2020.020.