TOSSY, Titus. Investigating the use of information and communication technology (ICT) in village community banks (VICOBA) in southern Tanzania: Evidence from Songea Urban in the Ruvuma Region. African Journal of Empirical Research, [S. l.], v. 7, n. 1, p. 1075–1089, 2026. DOI: 10.51867/ajernet.7.1.91. Disponível em: https://ajernet.net/ojs/index.php/ajernet/article/view/1604. Acesso em: 8 may. 2026.