Umaru Musa Yar'adua University

Exploring the Determinant of Financial Inclusion in Nigeria: The Role of Digital Financial Access and Socio-Economic Factors

This study investigates the determinants of financial inclusion in Nigeria, with particular emphasis on digital access and usage. Using individual-level data from the 2025 Global Findex Database and survey-weighted logistic regression, the study examines how socio-economic charac...

Antibiotic-induced alterations of biogeochemical processes of nitrogen mediated by microorganisms in hyporheic zone and their environmental implications: A systematic review

Antibiotics persist as critical pervasive pollutants within hyporheic zones, exerting selective pressures that disrupt the essential nitrogen (N) cycling. This systematic review synthesises the current evidence on how antibiotic contamination affects microbial community structure...