KRÓL, Patryk Janusz; KACZMAREK, Krzysztof. CBDC as an element of the fight against financial exclusion on the example of Nigeria. Research Papers in Economics and Finance, [S. l.], v. 9, n. 2, p. 97–116, 2025. DOI: 10.18559/ref.2025.2.2486. Disponível em: https://www.journals.ue.poznan.pl/REF/article/view/2486. Acesso em: 4 feb. 2026.