Ravi, R. ., and N. N. . Pandey. “Development and Validation of a Multi-Dimensional Scale to Measure the Factors Influencing Fintech firms’ Capacity to Impact Digital Financial Inclusion”. The Economics and Finance Letters, vol. 11, no. 1, Feb. 2024, pp. 18-33, doi:10.18488/29.v11i1.3646.