MAKUNGU, Hollis; CHAWALA, Moffat. Strategic Adoption of Digital Banking Innovations as a Source of Competitive Advantage for Zambian Commercial Banks: A Case Study of Access Bank. African Journal of Commercial Studies, [S. l.], v. 7, n. 2, p. 567–583, 2026. DOI: 10.59413/ajocs/v7.i2.47. Disponível em: https://ijcsacademia.com/index.php/journal/article/view/532. Acesso em: 26 apr. 2026.