Muhammad, Abubakar, and Haruna Sani Birnin Kebbi. “IMPACT ANALYSIS OF INFORMATION AND COMMUNICATION TECHNOLOGY ON FINANCE AND ECONOMIC GROWTH IN NIGERIA (2001 – 2011)”. European Scientific Journal, ESJ 10, no. 1 (January 31, 2014). Accessed January 19, 2026. https://eujournal.org/index.php/esj/article/view/2570.