Bank Digital Transformation and SME Credit Accessibility: Evidence from Emerging Markets and the Moderating Role of Regulatory Frameworks. Lex localis - Journal of Local Self-Government, [S. l.], v. 22, n. 4, p. 41–46, 2024. DOI: 10.52152/22.4.41-46(2024). Disponível em: https://lex-localis.org/index.php/LexLocalis/article/view/29-03. Acesso em: 13 may. 2026.