AGBOOLA, Lucia E. The SME Disconnect: A Critical Analysis of the Bank-Vendor Model and a Framework for Direct-to-Merchant Financial Ecosystems. International Journal of Technology, Management and Humanities, [S. l.], v. 3, n. 04, p. 35–49, 2017. DOI: 10.21590/. Disponível em: https://ijtmh.com/index.php/ijtmh/article/view/176. Acesso em: 14 apr. 2026.