THE ROLE OF SUSTAINABLE FINTECH AND GOVERNANCE IN PROMOTING FINANCIAL INCLUSION: A PANEL DATA STUDY OF EMERGING ECONOMIES. Center for Management Science Research, [S. l.], v. 3, n. 4, p. 330–341, 2025. Disponível em: https://cmsrjournal.com/index.php/Journal/article/view/244. Acesso em: 26 jun. 2026.