AZAARE, Jacob; WU, Zhao; RAHMAN, Abubakari Abdul; AMIISA, Gilbert. 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, [S. l.], v. 4, n. 1, p. 138–147, 2026. DOI: 10.54536/ajfti.v4i1.7539. Disponível em: https://journals.e-palli.com/home/index.php/ajfti/article/view/7539. Acesso em: 31 jul. 2026.