Adeyemi, O. S., Aderibigbe, A. S., Adeyemi, O. D., & Oyebanji, O. S. (2025). From Insight to Intelligence: The Transformative Power of ETL Tools for Creating Sustainable Competitive Advantage in the FinTech Industry in West Africa. Journal of Applied Technology and Innovation, 9(2), 33–48. https://doi.org/10.65136/jati.v9i2.31