Kisula I. Jacques, Zahiga P. Jean-Baptiste, Ingama M. Emmanuel, Basungani B. Zéphirin, Kayinda E. Hugo, and Gbadi M. Emmanuel. 2026. “Determinants of the Adoption of the Banking Agent Service by Micro-Enterprises in Kinshasa: Empirical Evidence from the Lukunga District”. International Journal of Scientific Research and Innovative Studies 5 (3):460-73. https://doi.org/10.63883/ijsrisjournal.v5i3.781.