Financial Inclusion Convergence in Low-Income and Lower-Middle-Income Countries . Pakistan Business Review, Pakistan, v. 25, n. 3, p. 263–282, 2023. DOI: 10.22555/pbr.v25i3.943. Disponível em: https://journals.iobm.edu.pk/index.php/pbr/article/view/943. Acesso em: 16 may. 2026.