KANGWA, D.; MWALE , J. T.; JUNAID, M. S. COVID-19 AND DIGITAL FINANCIAL INCLUSION OF GENERATION Z WITHIN COMPLEX ADAPTIVE SYSTEMS. Academic Journal of Current Research, [S. l.], v. 7, n. 10, p. 9–17, 2020. Disponível em: https://cirdjournals.com/index.php/ajcr/article/view/369. Acesso em: 19 may. 2026.