Chitimira, Howard, and Phemelo Magau. “ A Legal Analysis of the Use of Innovative Technology in the Promotion of Financial Inclusion for Low-Income Earners in South Africa”. Potchefstroom Electronic Law Journal 24 (June 30, 2021): 1–27. Accessed November 19, 2024. https://perjournal.co.za/article/view/10740.