The Gray Digital Divide: Barriers to Fintech Adoption Among Senior Citizens in Nigeria. Journal of Applied Social Sciences and Humanities, [S. l.], v. 1, n. 1, p. 9–14, 2026. DOI: 10.71426/jassh.v1.i1.pp9-14. Disponível em: https://journal.krrishpub.com/index.php/jassh/article/view/13. Acesso em: 10 feb. 2026.