Digital Financial Ecosystems: From Inclusive Digital Finance to Financial Capability. International Journal of Business Innovation, [S. l.], v. 2, n. 3, p. e31230, 2023. DOI: 10.34624/ijbi.v2i3.31230. Disponível em: https://proa.ua.pt/index.php/ijbi/article/view/31230. Acesso em: 12 feb. 2026.