Adoption of Digital Banking and Fintech Innovations in Enugu State: Opportunities and Challenges for Financial Inclusion Amid State-Led Economic Transformation and National Open Banking Frameworks. The Journal of African Development Horizons, [S. l.], v. 1, n. 1, 2026. Disponível em: https://jafdh.org/journal/article/view/63.. Acesso em: 28 oct. 2026.