Kisula I. Jacques, Zahiga P. Jean-Baptiste, Ingama M. Emmanuel, Basungani B. Zéphirin, Kayinda E. Hugo, and Gbadi M. Emmanuel. “Determinants of the Adoption of the Banking Agent Service by Micro-Enterprises in Kinshasa: Empirical Evidence from the Lukunga District”. International Journal of Scientific Research and Innovative Studies 5, no. 3 (June 1, 2026): 460–473. Accessed August 1, 2026. https://ijsrisjournal.com/index.php/ojsfiles/article/view/781.