Gamsakhurdia, Tamar, and Lamara Kadagidze. “Enhancing the Adoption of Financial Innovations to Foster Socioeconomic Welfare”. European Scientific Journal, ESJ 20, no. 37 (February 20, 2024): 178. Accessed November 22, 2024. https://eujournal.org/index.php/esj/article/view/17799.