OFFIONG, U. An Integrated Model of FinTech Implementation in Nigerian Microfinance Companies. Olsztyn Economic Journal, [S. l.], v. 20, n. 2, p. 241–252, 2025. DOI: 10.31648/oej.12026. Disponível em: https://czasopisma.uwm.edu.pl/index.php/oej/article/view/12026. Acesso em: 11 jan. 2026.