Wangui, M.; Nzuki, D. D. THE EFFECT OF ELECTRONIC MONEY TRANSFER SYSTEMS ON THE FINANCIAL PERFORMANCE OF FINANCIAL INSTITUTIONS IN KENYA (CASE STUDY OF SUMAC DEPOSIT TAKING MICROFINANCE LTD). IRJBSM 2021, 2 (1), 50-61. https://doi.org/10.5281/zenodo.23355520.