Kiraithe, Daniel Mutemi. “INFLUENCE OF MOBILE-BASED LENDING PRACTICES ON CREDIT CONSUMER BEHAVIOUR IN EMBU COUNTY, KENYA”. African Journal of Emerging Issues 2, no. 2 (February 27, 2020): 1–19. Accessed March 10, 2025. https://ajoeijournals.org/sys/index.php/ajoei/article/view/82.