Ahmed, Eltigani M. A. “AN EMPIRICAL ASSESSMENT OF ADOPTION AND INNOVATION OF THE PORTABLE BANKING TECHNOLOGY IN KENYA”. Indian Journal of Finance and Banking 8, no. 1 (September 23, 2021): 13–31. Accessed June 16, 2025. https://www.cribfb.com/journal/index.php/ijfb/article/view/1351.