The Effect of Electronic Payment Systems on Financial Performance of Microfinance Banks in Niger State. Esensi: Jurnal Bisnis dan Manajemen, [S. l.], v. 9, n. 2, p. 143–154, 2019. DOI: 10.15408/ess.v9i2.12273. Disponível em: https://journal.uinjkt.ac.id/esensi/article/view/12273. Acesso em: 25 feb. 2026.