J. Akona, E. . Kiano, and D. Onganya, “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”, AJERNET, vol. 7, no. 4, pp. 714–727, Oct. 2026, doi: 10.51867/ajernet.7.4.59.