Mwago, W. W., S. K. Ndung’u, and P. O. Nyamira. “EFFECT OF FINANCIAL INNOVATION ON FINANCIAL INCLUSION IN MICRO FINANCE INSTITUTIONS IN GULU DISTRICT, UGANDA”. African Journal of Emerging Issues, Vol. 6, no. 20, Nov. 2024, pp. 1 - 12, https://ajoeijournals.org/sys/index.php/ajoei/article/view/716.