WABWIRE, Joseph Masinde. Demographic factors influencing the adoption of mobile phones in the utilization of formal financial services by smallholder farmers in Kenya. Editon Consortium Journal of Business and Management Studies, [S. l.], v. 2, n. 1, p. 81–92, 2020. DOI: 10.51317/ecjbms.v2i1.168. Disponível em: http://editoncpublishing.org/ecpj/index.php/ECJBMS/article/view/168. Acesso em: 26 aug. 2026.