EFFECT OF FINANCIAL TECHNOLOGY ON FINANCIAL  INCLUSION OF SMALL AND MEDIUM-SIZED ENTERPRISES ENTREPRENEURS INNIGER STATE, NIGERIA. WEST AFRICA DYNAMIC JOURNAL OF HUMANITIES, SOCIAL AND MANAGEMENT SCIENCES AND EDUCATION, [S. l.], 2025. Disponível em: https://gagdm.com/index.php/WDJHSME/article/view/516. Acesso em: 5 feb. 2026.