This paper explores the use of Internet, including social networks, e-government services and e-commerce from the perspective of the digital divide. First, it aims to find out what factors explain the digital divide, considered as a multidimensional concept. Second, the article aims to identify...

Affecting the Adoption of Financial Technology at Universities -- Affecting the Adoption of Financial Technology at Universities -- Factors to the Adoption of GSMTelephony in Rural Areas in West Africa -- Disruptive Fintech for Inclusive Finance in Africa: Role and Contribution of Mobile Money. .