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. gijmss [Internet]. 2026Apr.20 [cited 2026Aug.10];9(1):108-43. Available from: https://gijmss.com.ng/index.php/gijmss/article/view/358