F. O. I. . Terry, C. K. Kithandi, and M. . Onchomba, “Fintech Adoption and Credit Access of Micro, Small, Medium Enterprises in Nairobi City County, Kenya”, EAFJ, vol. 4, no. 4, pp. 79–92, Nov. 2025, doi: 10.59413/eafj/v4.i4.5.