Thomas , Jane Nzembi, and Nathan Mwenda. “Digital Credit and Financial Performance of Small and Medium Enterprises in Nairobi City County, Kenya”. Journal of Finance and Accounting 9, no. 4 (September 29, 2025): 38–63. Accessed March 5, 2026. https://stratfordjournalpublishers.org/journals/index.php/journal-of-accounting/article/view/2645.