Fredrick, Julius, and Blessing Idowu. “The Gray Digital Divide: Barriers to Fintech Adoption Among Senior Citizens in Nigeria”. Journal of Applied Social Sciences and Humanities 1, no. 1 (December 31, 2025): 9–14. Accessed June 11, 2026. https://journal.krrishpub.com/index.php/jassh/article/view/13.