Koffi, Mounoufié Valery, and Yao César Konan. “Urbanization and Financial Inclusion in WAEMU Countries: Heterogeneity Approach”. International journal of economic perspectives 19, no. 9 (September 12, 2025): 65–74. Accessed November 13, 2025. http://ijeponline.org/index.php/journal/article/view/1146.