A. . Mwange and M. . Mumba, “Perceived Trust and Digital Financial Inclusion in Zambia’s Informal Markets: Mediating and Moderating Role of Digital Financial Literacy and Digital Financial Efficacy”, AJOCS, vol. 6, no. 2, pp. 99–105, Mar. 2025, doi: 10.59413/ajocs/v6.i2.9.