Getugi, Joyce Chepkoech, Cliff Osoro, and Allan Kihara. “Mobile Banking and Technical Efficiency of Commercial Banks in Kenya”. Journal of Accounting 6, no. 1 (July 1, 2023): 1–20. Accessed May 16, 2024. https://carijournals.org/journals/index.php/JACC/article/view/1329.