Flores, Christian Anthony. “Algorithmic Inclusion Paradox Access Expansion, Capability Erosion, and Financial Precarity in Digital Banking Environments: A Capability-Governance Framework”. Journal of Interdisciplinary Perspectives, vol. 4, no. 3, Feb. 2026, pp. 90-102, https://jippublication.com/index.php/jip/article/view/2312.