Owolabi, Oluwarotimi Ayokunnu, et al. “Access to Electricity, Information and Communications Technology (ICT), and Financial Development: Evidence From West Africa”. International Journal of Energy Economics and Policy, vol. 11, no. 2, Feb. 2021, pp. 247-59, https://mail.econjournals.com/index.php/ijeep/article/view/10344.