XU, Yichen. Digital Payments and Financial Inclusion: An Integrative Literature Review and Access-to-Use Framework. Financial Economics Insights , SOAP, U.K., v. 3, n. 3, p. 38–47, 2026. DOI: 10.70088/dqk30j54. Disponível em: http://soapubs.com/index.php/FEI/article/view/2807.. Acesso em: 21 sep. 2026.