From Availability to Adoption: Exploring Access–Usage Imbalances in Financial Inclusion. Journal of Informatics Education and Research, [S. l.], v. 5, n. 3, 2026. DOI: 10.52783/jier.v5i3.4355. Disponível em: https://jier.org/index.php/journal/article/view/4355. Acesso em: 4 aug. 2026.