“SYNERGIZING BLOCKCHAIN AND TRADITIONAL FINANCE: DESIGNING HYBRID INFRASTRUCTURES FOR CRYPTO LENDING IN UNDERSERVED MARKETS”. INTERNATIONAL JOURNAL OF INFORMATION TECHNOLOGY AND MANAGEMENT INFORMATION SYSTEMS (IJITMIS) 15, no. 1 (February 15, 2024): 1–10. Accessed February 9, 2026. https://iaeme-library.com/index.php/IJITMIS/article/view/IJITMIS_15_01_001.