“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 22, no. 4 (December 4, 2024): 41–46. Accessed May 13, 2026. https://lex-localis.org/index.php/LexLocalis/article/view/29-03.