Babatunde, Abdullahi Adio. „Demand Side Factors and Financial Inclusion: The Mediating Role of Financial Self-Efficacy“. Copernican Journal of Finance & Accounting 13, no. 2 (prosinac 7, 2024): 29–45. Pristupljeno prosinac 12, 2025. https://apcz.umk.pl/CJFA/article/view/56739.