Wangui, Mukami, and Dr. David Nzuki. “THE EFFECT OF ELECTRONIC MONEY TRANSFER SYSTEMS ON THE FINANCIAL PERFORMANCE OF FINANCIAL INSTITUTIONS IN KENYA (CASE STUDY OF SUMAC DEPOSIT TAKING MICROFINANCE LTD)”. International Research Journal of Business and Strategic Management 2, no. 1 (January 29, 2021): 50–61. Accessed November 6, 2026. https://www.irjp.org/index.php/irjbsm/article/view/16.