Król, Patryk Janusz, and Krzysztof Kaczmarek. “CBDC As an Element of the Fight Against Financial Exclusion on the Example of Nigeria”. Research Papers in Economics and Finance 9, no. 2 (December 31, 2025): 97–116. Accessed February 4, 2026. https://www.journals.ue.poznan.pl/REF/article/view/2486.