References
Adedokun, S., & Ağa, M. (2021). The influence of technological innovation on corporate performance. Journal of Innovation Economics, 10(3), 77–94. Adeola, O., & Evans, O. (2017). Financial inclusion, financial development, and economic growth: Evidence from Sub-Saharan Africa. Journal of Economic Studies, 44(6), 918–930. Adil, M., & Sahoo, P. (2020). Digital innovation and economic performance. International Journal of Financial Research, 11(4), 23–34. Aker, J. C., & Mbiti, I. M. (2010). Mobile phones and economic development in Africa. Journal of Economic Perspectives, 24(3), 207–232. Asongu, S. A., & Nwachukwu, J. C. (2018). Comparative human development thresholds for inclusive human development in sub-Saharan Africa. Social Indicators Research, 139(3), 1121–1151. https://doi.org/10.1007/s11205-017-1749-9 Asteriou, D., & Hall, S. G. (2015). Applied econometrics (3rd ed.). Palgrave Macmillan. Beck, T., Demirgüç-Kunt, A., & Levine, R. (2007). Finance, inequality and the poor. Journal of Economic Growth, 12(1), 27–49. https://doi.org/10.1007/s10887-007-9010-6 Belás, J., Smrčka, L., Gavurová, B., & Dvorský, J. (2018). The impact of social responsibility and CSR reporting on financial performance of firms in Central Europe. Sustainability, 10(4), 1051. https://doi.org/10.3390/su10041051 Bloom, N., & Howitt, P. (2005). Innovation and economic growth. In P. Aghion & S. Durlauf (Eds.), Handbook of Economic Growth (Vol. 1, pp. 877–931). Elsevier. Boateng, A., Akamavi, R. K., & Ndoro, G. (2016). Measuring performance of corporate social responsibility in banking: A review of the literature. International Journal of Bank Marketing, 34(1), 42–60. https://doi.org/10.1108/IJBM-05-2014-0066 Brooks, C. (2019). Introductory econometrics for finance (4th ed.). Cambridge University Press. Chakrabarty, S., & Bass, A. E. (2014). Corporate governance in microfinance institutions: Board composition and the ability to face institutional voids. Corporate Governance: An International Review, 22(5), 367–386. https://doi.org/10.1111/corg.12073 Claessens, S., Frost, J., Turner, G., & Zhu, F. (2018). Fintech credit markets around the world: Size, drivers and policy issues. BIS Quarterly Review. https://doi.org/10.2139/ssrn.3189111 Creswell, J. W., & Creswell, J. D. (2018). Research design: Qualitative, quantitative, and mixed methods approaches (5th ed.). SAGE Publications. Demirgüç-Kunt, A., Klapper, L., Singer, D., & Oudheusden, P. (2015). The Global Findex Database 2014: Measuring financial inclusion around the world. World Bank. https://doi.org/10.1596/978-1-4648-0543-0 Durán, J. J., & Rodríguez, F. J. (2015). CSR and performance: A study in emerging markets. Journal of Business Research, 68(10), 2114–2121. https://doi.org/10.1016/j.jbusres.2015.03.015 Ejumudo, K. B. O. (2013). The problematic of development planning in Nigeria: Critical discourse. Journal of Developing Country Studies, 3(5), 67–77. Fama, E. F., & French, K. R. (2004). The capital asset pricing model: Theory and evidence. Journal of Economic Perspectives, 18(3), 25–46. https://doi.org/10.1257/0895330042162430 Fasan, M., & Mio, C. (2017). Integrating sustainability into corporate strategy: The role of CSR reporting. Business Strategy and the Environment, 26(7), 1004–1020. https://doi.org/10.1002/bse.1967 Gordon, R. J. (2016). The rise and fall of American growth: The U.S. standard of living since the Civil War. Princeton University Press. Gujarati, D. N., & Porter, D. C. (2009). Basic econometrics (5th ed.). McGraw-Hill. Hassan, M. K., & Aliyu, S. (2018). A contemporary survey of Islamic banking literature. Journal of Financial Stability, 34, 12–43. https://doi.org/10.1016/j.jfs.2017.12.002 Helpman, E. (2020). The mystery of economic growth. Harvard University Press. Imhanlahimi, J. E., & Ibhahulu, F. O. (2015). Financial inclusion and poverty reduction in Nigeria. Journal of Economics and Sustainable Development, 6(16), 112–118. Jones, C. I. (2016). Macroeconomics (3rd ed.). W. W. Norton & Company. Khan, H. U. Z., Muttakin, M. B., & Siddiqui, J. (2013). Corporate governance and CSR disclosures: Evidence from an emerging economy. Journal of Business Ethics, 114(2), 207–223. https://doi.org/10.1007/s10551-012-1336-0 Kose, M. A., Prasad, E., & Terrones, M. E. (2009). Does financial globalization promote risk sharing? Journal of Development Economics, 89(2), 258–270. https://doi.org/10.1016/j.jdeveco.2008.09.006 Kothari, C. R. (2004). Research methodology: Methods and techniques (2nd ed.). New Age International. Leong, C., Tan, B., Xiao, X., Tan, F. T. C., & Sun, Y. (2017). Nurturing a FinTech ecosystem: The case of a youth microloan startup in China. International Journal of Information Management, 37(2), 92–97. https://doi.org/10.1016/j.ijinfomgt.2016.11.006 Maddala, G. S., & Lahiri, K. (2009). Introduction to econometrics (4th ed.). Wiley. Matten, D., & Moon, J. (2020). “Implicit” and “explicit” CSR: A conceptual framework for a comparative understanding of corporate social responsibility. Academy of Management Review, 33(2), 404–424. Merton, R. C. (1995). A functional perspective of financial intermediation. Financial Management, 24(2), 23–41. https://doi.org/10.2307/3665532 Miles, M. B., Huberman, A. M., & Saldaña, J. (2014). Qualitative data analysis: A methods sourcebook (3rd ed.). SAGE Publications. Mishra, S., & Modi, S. B. (2016). Corporate social responsibility and shareholder value maximization: Evidence from Indian firms. Journal of Business Ethics, 134(3), 485–502. https://doi.org/10.1007/s10551-014-2450-9 Mothobi, O., & Grzybowski, L. (2017). Infrastructure deficiencies and adoption of mobile money in Sub-Saharan Africa. Information Economics and Policy, 40, 71–79. Niu, B., & Ma, S. (2022). Corporate social responsibility, innovation, and financial performance. Journal of Cleaner Production, 320, 128852. Ojo, M. O., & Akinyede, D. O. (2023). FinTech adoption and sustainable banking. International Journal of Financial Studies, 11(1), 112–130. Ozili, P. K. (2018). Impact of digital finance on financial inclusion and stability. Borsa Istanbul Review, 18(4), 329–340. https://doi.org/10.1016/j.bir.2017.12.003 Palm, C., Davies, J., et al. (2024). Financial innovation for inclusive development. Development Policy Review, 42(1), 34–58. Pesaran, M. H., Shin, Y., & Smith, R. J. (2001). Bounds testing approaches to the analysis of level relationships. Journal of Applied Econometrics, 16(3), 289–326. https://doi.org/10.1002/jae.616 Philippon, T. (2016). The FinTech opportunity. NBER Working Paper No. 22476. https://doi.org/10.3386/w22476 Porter, M. E., & Kramer, M. R. (2006). Strategy and society: The link between competitive advantage and corporate social responsibility. Harvard Business Review, 84(12), 78–92. Porter, M. E., & Kramer, M. R. (2011). Creating shared value. Harvard Business Review, 89(1/2), 62–77. Stock, J. H., & Watson, M. W. (2020). Introduction to econometrics (4th ed.). Pearson. Suri, T., & Jack, W. (2016). The long-run poverty and gender impacts of mobile money. Science, 354(6317), 1288–1292. Wooldridge, J. M. (2015). Introductory econometrics: A modern approach (5th ed.). Cengage Learning. World Bank. (2022). Nigeria development update: The urgency for business-unusual. https://www.worldbank.org/en/country/nigeria/publication/nigeria-development-update Yan, L., & Hao, W. (2021). The role of digital finance in promoting inclusive economic growth. Emerging Markets Finance and Trade, 57(1), 231–245. Zhang, T., Zhu, Q., & Li, J. (2020). Sustainable development through mobile money and inclusive finance. Journal of Sustainable Development, 13(6), 180–195. Zingales, L. (1998). Corporate governance and economic performance. Journal of Finance, 53(2), 953–982.