References
Aninwagu, V. O., & Onyema, J. I. (2024). Financial inclusion and Nigeria's economic resilience. SSRN Electronic Journal 1(1), 139-150. Aninwagu, V. O., Okeme, E., Gbarayorks, L. D., & Udofia, J. J. (2025). Impact of cashless policy on economic growth in Nigeria. https://doi.org/10.56201/ijefm.v10.no6.2025.pg32.45 Aninwagu, V. O., Onyema, J. I., Momodu, A. A., Amadi, C. R. (2024). Fiscal deficit and economic growth in Nigeria. SSRN Electronic Journal, 3(2), 215-222. Asongu, S. A., & Odhiambo, N. M. (2018). Human development thresholds for inclusive mobile banking in developing countries. African Journal of Science, Technology, Innovation and Development, 10, 735-744 Awodiran, M. A., Ogundele, A. T., Idem, U. J., Ilubusi, B. S., Olutoye, E. A., Ibitoye, O. A., & Ibukun, F. O. (2024). Harnessing Digital Financial Services for Sustainable Poverty Alleviation in Nigeria,' 2024 IEEE 5th International Conference on Electro Computing Technologies for Humanity (NIGERCON), Ado Ekiti, Nigeria. Beck, T., Demirgüç-Kunt, A., & Levine, R. (2007). Finance, inequality and the poor. Journal of Economic Growth, 12(1), 27–49. Central Bank of Nigeria. (2024). E-payment statistics. Central Bank of Nigeria. Demirgüç-Kunt, A., Beck, T., & Honohan, P. (2008). Finance for all? Policies and pitfalls in expanding access. World Bank. Eizaguirre, M., Funes, G. A., García-Monleón, F., & Carrero, O. (2025). Bridging digital divides: Infrastructure, transparency and mobile compatibility in citizen-centric e governance across the EU. Firdauzi, A., & Sukmana, R. (2020). Pengaruh financial inclusion indicator, GDPPC, ICT, dan unemployment Terhadap negara OIC Tahun 2004-2018. Ilarslan, K. (2024). Non-parametric evidence on the determinants of access to financial services in the countries of the Organization of Turkic States. Eurasian Economic Review, 14, 1035-1055. Jack, W., & Suri, T. (2014). Risk sharing and transactions costs: Evidence from Kenya's mobile money revolution. American Economic Review, 104(1), 183–223. Nwankwo, C. B. (2026). From digital access to human development: Examining the role of financial inclusion in Nigeria. International Journal of Economics and Financial Management, 11(6), 96–108. Nyeche, E., & Aninwagu, V. O. (2025). Impact of renewable energy consumption, forest area, and economic growth on CO2 emissions in Nigeria. https://doi.org/10.56201/ijefm.v10.no7.2025.pg55.67 Nyeche, E., & Nwala, Y. G. (2025). Monetary policy and commercial bank performance: Evidence from Nigeria. Journal of Business and African Economy, 11(2). Nyeche, E., Ekine, D. I. (2018). Trade openness and transport sector output growth in Nigeria (1986 2016). International Journal of Advanced Studies in Ecology, Development and Sustainability, 5(1), 91-105. Nyeche, E., Odungweru, K. N., Wokekoro, E. O., & Ozuzu, S. C. R. (2025). International trade and unemployment rate in Nigeria: An empirical analysis. International Journal of Economics and Financial Management , 10(12), 210-226 Onyia, C. C., Okereke, S. F., & Onodu, E. (2025). Remittance inflow, digital technology, and human development index in Sub-Saharan Africa Sen, A. (1985). Commodities and capabilities. North-Holland. Sen, A. (1999). Development as freedom. Oxford University Press. Sharma, H., & Díaz Andrade, A. (2023). Digital financial services and human development: Current landscape and research prospects. Electronic Markets, 33, 582–606. Suri, T., & Jack, W. (2016). The long-run poverty and gender impacts of mobile money. Science, 354(6317), 1288–1292. UNDP. (2024a). Valuable insights and findings of the 2023/2024 human development report and its correlation to Nigeria’s Human Development Index. United Nations Development Programme . (2020). Human development report 2020: The next frontier—Human development and the Anthropocene. UNDP. United Nations Development Programme. (2024). Human development report 2023/2024: Breaking the gridlock: Reimagining cooperation in a polarized world. UNDP. World Bank (2024a). Individuals using the Internet (% of population) – Nigeria. World Bank. (2022). Poverty and shared prosperity report 2022. World Bank.
