Abdulwahabi AA, Sule M, Kabiru M. CHALLENGES HINDERING THE UPTAKE OF DIGITAL FINANCIAL SERVICES AMONG MARGINALIZED POPULATIONS IN NIGERIA: INSIGHTS FROM INSTITUTIONAL AND SOCIOECONOMIC DETERMINANTS. ESSAJ [Internet]. 2026 Apr. 23 [cited 2026 May 26];8(4):1-15. Available from: https://cirdjournals.com/index.php/essaj/article/view/1525