guettaf kherkhachi م. .; azzi خ. Estimating the Impact of Banking Services Technology on Improving Financial Inclusion Indicators Using Cross-Sectional Time Series in Some Developing Countries. Journal of Economic and Financial Research, [S. l.], v. 11, n. 1, p. 540–560, 2024. Disponível em: https://review.univ-oeb.dz/ojs.ecfi/index.php/jefr/article/view/73. Acesso em: 18 dec. 2025.