FINTECH FOR INCLUSION AND SUSTAINABILITY: A FIVE-YEAR LONGITUDINAL ANALYSIS OF SBI’S DIGITAL TRANSFORMATION . Phoenix: International Multidisciplinary Research Journal ( Peer reviewed High Impact Journal ), [S. l.], v. 3, n. 4, p. 147–159, 2025. DOI: 10.65009/eqc55193. Disponível em: https://pimrj.org/index.php/pimrj/article/view/184.. Acesso em: 9 may. 2026.