“Adoption of Digital Banking and Fintech Innovations in Enugu State: Opportunities and Challenges for Financial Inclusion Amid State-Led Economic Transformation and National Open Banking Frameworks” (2026) African Journal of Planning and Development Studies (AJPDS), 1(1), pp. 11–14. Available at: https://ajpds.org/journal/article/view/54 (Accessed: 15 October 2026).