Binaluyo, Jonathan P., Angelo R. Santos, and Noel B. Agustin. “Challenges and Opportunities for Digital Transformation in Philippine Microfinance Institutions”. International Journal of Economics and Financial Issues 14, no. 5 (September 6, 2024): 269–278. Accessed November 21, 2024. https://econjournals.com/index.php/ijefi/article/view/16526.