MBUYA, Kelvin Andrew. How digital financial literacy helps mobile money users avoid fraud in Tanzania: A user survey and a practical framework for building resilience. African Journal of Empirical Research, Nairobi, Kenya, v. 7, n. 4, p. 1461–1471, 2026. DOI: 10.51867/ajernet.7.4.121. Disponível em: https://ajernet.net/ojs/index.php/ajernet/article/view/2512. Acesso em: 10 nov. 2026.