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Birkenmaier, J., Despard, M., Friedline, T., & Huang, J.  (2019, February 25). Financial Inclusion and Financial Access. Encyclopedia of Social Work. Retrieved 6 Mar. 2021, from https://oxfordre.com/socialwork/view/10.1093/acrefore/9780199975839.001.0001/acrefore-9780199975839-e-1331.

Birkenmaier, Julie, Mathieu Despard, Terri Friedline, and Jin Huang. "Financial Inclusion and Financial Access." Encyclopedia of Social Work.  February 25, 2019. NASW Press and Oxford University Press. Date of access 6 Mar. 2021, <https://oxfordre.com/socialwork/view/10.1093/acrefore/9780199975839.001.0001/acrefore-9780199975839-e-1331>

Birkenmaier, Julie, Mathieu Despard, Terri Friedline, and Jin Huang. "Financial Inclusion and Financial Access." Encyclopedia of Social Work. 25 Feb. 2019; Accessed 6 Mar. 2021. https://oxfordre.com/socialwork/view/10.1093/acrefore/9780199975839.001.0001/acrefore-9780199975839-e-1331.