Joseph Momoh Conteh, Musa Abdullah Kargbo and Dr. Dante Allie Bendu (2026) “PAYMENT SYSTEMS AND MOBILE MONEY AS DRIVERS OF FINANCIAL INCLUSION: BALANCING INNOVATION WITH FINANCIAL INTEGRITY IN SIERRA LEONE”, International Journal of Social Science, Management and Economics Research, 4(4), pp. 86–120. doi: 10.61421/IJSSMER.2026.4407.