MOBILE TECHNOLOGY ADOPTION AND FINANCIAL DEVELOPMENT IN DEVELOPING COUNTRIES: A PANEL DATA ANALYSIS. Qualitative Research Journal for Social Studies, [S. l.], v. 3, n. 1, p. 716–728, 2026. DOI: 10.63878/qrjs926. Disponível em: https://qrjsocial.com/index.php/38/article/view/926. Acesso em: 18 may. 2026.