“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 2, no. 1 (November 15, 2020): 81–92. Accessed September 20, 2026. http://editoncpublishing.org/ecpj/index.php/ECJBMS/article/view/168.