KOBIRUO SUNDAY , E.; SHEHU MUSA, I. .; OLUSOLA O. , K. .; OLUBUKOLA SARAH , A. Digital Transformation and Operational Efficiency in Fintech SMEs: A Study of Start-Ups in Yaba Tech Hub, Lagos, Nigeria. Gusau International Journal of Management and Social Sciences, [S. l.], v. 9, n. 1, p. 108–143, 2026. DOI: 10.57233/gijmss.v9i1.06. Disponível em: https://gijmss.com.ng/index.php/gijmss/article/view/358. Acesso em: 2 aug. 2026.