JAGABA, A. ., and L. U. . UMAR. “EFFECT OF FINANCIAL INNOVATIONS ON FINANCIAL PERFORMANCE OF DEPOSIT MONEY BANKS IN NIGERIA”. MINNA INTERNATIONAL JOURNAL OF SCIENCE AND TECHNOLOGY, vol. 2, no. 2, Sept. 2023, pp. 87-97, https://journals.coeminna.edu.ng/index.php/mijost/article/view/80.