MWAMBA, Chileshe Katongo; MWANGE, Austin. Digital banking adoption: The implications for human capital adaptation in Zambian commercial banks between 2020 and 2025. African Journal of Empirical Research, Nairobi, Kenya, v. 7, n. 2, p. 601–614, 2026. DOI: 10.51867/ajernet.7.2.56. Disponível em: https://ajernet.net/ojs/index.php/ajernet/article/view/1871. Acesso em: 20 sep. 2026.