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, [S. l.], v. 9, n. 1, p. 101–104, 2019. DOI: 10.31033/ijemr.9.1.8. Disponível em: https://ijemr.vandanapublications.com/index.php/j/article/view/512. Acesso em: 18 mar. 2026.