K. Munyepwa, C. Ranganayi, N. . Gwesu, L. Mudzengerere, M. . Lucia, and P. . Machaka, “The Role of Mobile Money in Mitigating Financial Exclusion in Rural Zimbabwe: An Empirical Study”, International. J. financial account. management, vol. 7, no. 4, pp. 697–709, Mar. 2026.