Koros, Kiplangat Benard, and Charles Tibbs. “Determinants Of Mobile Banking Among The Lower Cadre Employees In MAU Tea Multipurpose Cooperative Society LTD”. Advances in Social Sciences Research Journal 4, no. 25 (January 1, 2018). Accessed May 4, 2024. https://journals.scholarpublishing.org/index.php/ASSRJ/article/view/4029.