Azaare, J. et al. 2026. Embracing AI and IoT in Building Robust Financial Systems in Ghana: Empirical Tests Using Road Tollbooths and Tertiary Students Fee Payments. American Journal of Financial Technology and Innovation. 4, 1 (Jul. 2026), 138–147. DOI:https://doi.org/10.54536/ajfti.v4i1.7539.