Raymond Kemboi. “Analysis on Challenges Small Business Face in Using the M-Banking/Payment Services in Kericho Town, Kenya”. International Journal of Engineering and Management Research 9, no. 1 (February 28, 2019): 101–104. Accessed July 22, 2024. https://ijemr.vandanapublications.com/index.php/ijemr/article/view/512.