THE EFFECT OF INFORMATION COMMUNICATION TECHNOLOGY AND FINANCIAL INNOVATION ON PERFORMANCE ON NIGERIAN COMMERCIAL BANKS (2001 – 2013). International Journal of Accounting Research (IJAR), [S. l.], v. 2, n. 7, p. 51–66, 2015. Disponível em: https://j.arabianjbmr.com/index.php/ijar/article/view/79. Acesso em: 17 sep. 2026.