Ogiriki PhD, Tonye, Tonye Ogiriki PhD, and Emmanuel Atagboro PhD, MNAA. “EMERGENCE OF FINANCIAL TECHNOLOGY AND MICRO, SMALL AND MEDIUM SCALE ENTERPRISES IN NIGERIA”. BW Academic Journal 1, no. 1 (May 21, 2022): 9. Accessed July 27, 2026. https://bwjournal.org/index.php/bsjournal/article/view/1217.