SOLARZ, Małgorzata and ADAMEK, Jacek. Determinants of digital financial exclusion as a barrier to the adoption of mobile banking services in Poland. Ekonomia i Prawo. Economics and Law. Online. 30 June 2022. Vol. 21, no. 2, pp. 503-525. [Accessed 6 July 2025]. DOI 10.12775/EiP.2022.028.