واقع وتحديات الشمول المالي الرقمي في الجزائر. Journal of Economics and Management Research, [S. l.], v. 4, n. 1, p. 700–716, 2023. Disponível em: https://ojs.cu-maghnia.dz/index.php/management/article/view/105. Acesso em: 15 may. 2026.