AJRAOUI, Othman, et Mounir EL BAKKOUCHI. 2026. « The Role of Banking Digitalization in Promoting Financial Inclusion of Micro, Small, and Medium Sized Enterprises in Morocco ». International Journal of Accounting, Finance, Auditing, Management and Economics 7 (12):811-26. https://ijafame.org/index.php/ijafame/article/view/2713.