Does the Adoption Process of Financial Technology in Africa Follow an Inverted U-Shaped Hypothesis? An Evaluation of Rogers Diffusion of Innovation Theory. aamjaf [Internet]. 2021 Jun. 30 [cited 2024 Nov. 22];17(1):281–305. Available from: https://ejournal.usm.my/aamjaf/article/view/aamjaf_vol17-no1-2021_10