Velez, Giovanni. “A Systematic Review of Mobile Banking, Fintech Innovations, and Regulatory Gaps to Achieve Financial Inclusion in the Philippines”. Journal of Interdisciplinary Perspectives 3, no. 3 (March 1, 2025): 390–397. Accessed November 12, 2025. https://www.jippublication.com/index.php/jip/article/view/606.