HINA SHAHZADI, SOFIA ANWAR. INSTITUTIONAL DRIVERS OF FINANCIAL INCLUSION: A 75-COUNTRY EXAMINATION USING DIFFERENCED-GMM TECHNIQUE. TPM – Testing, Psychometrics, Methodology in Applied Psychology, [S. l.], v. 32, n. 4, p. 801–810, 2025. Disponível em: https://tpmap.org/submission/index.php/tpm/article/view/3190. Acesso em: 11 dec. 2025.