AKONA, Jervis; KIANO, Elvis; ONGANYA, Dedan. Access to digital banking services and household welfare among youth-led micro and small enterprise owners in Bungoma County, Kenya: The moderating role of education. African Journal of Empirical Research, Nairobi, Kenya, v. 7, n. 4, p. 714–727, 2026. DOI: 10.51867/ajernet.7.4.59. Disponível em: https://ajernet.net/ojs/index.php/ajernet/article/view/2203. Acesso em: 22 oct. 2026.