NYOKA, Charles. Education Level and Income Disparities: Implications for Financial Inclusion through Mobile Money Adoption in South Africa. Comparative Economic Research. Central and Eastern Europe, [S. l.], v. 22, n. 4, p. 129–142, 2019. DOI: 10.2478/cer-2019-0036. Disponível em: https://www.czasopisma.uni.lodz.pl/CER/article/view/6052. Acesso em: 8 dec. 2025.