Ojugo, Arnold Adimabua, and Oghenevwede Debby Otakore. “Intelligent Peer-To-Peer Banking Framework: Advancing The Frontiers of Agent Banking For Financial Inclusion In Nigeria Via Smartphones ”. Quantitative Economics and Management Studies, vol. 1, no. 5, Aug. 2020, pp. 300-11, doi:10.35877/454RI.qems140.