“DETERMINANTS OF DIGITAL FINANCE IN DEVELOPING COUNTRIES: THE ROLE OF DIGITAL INCLUSION, INCOME, AND INTERNET PENETRATION”, cmsr, vol. 4, no. 3, pp. 1973–1989, Mar. 2026, Accessed: Nov. 15, 2026. [Online]. Available: https://www.cmsrjournal.com/index.php/Journal/article/view/1194