ANITHA A.; MANASA H.; R. GAYATHRI BAI; NIMIT SHETH; PRASHANT MISHRA. Impact of Fintech Adoption on Financial Inclusion and Banking Efficiency in Emerging Economies. International Journal of Computer Information Systems and Industrial Management Applications, [S. l.], v. 18, n. 12s, p. 767–787, 2026. DOI: 10.70917/ijcisim-2026-3953. Disponível em: https://cspub-ijcisim.org/index.php/ijcisim/article/view/3953. Acesso em: 2 aug. 2026.