“INFLUENCE OF MOBILE-BASED LENDING PRACTICES ON CREDIT CONSUMER BEHAVIOUR IN EMBU COUNTY, KENYA”, AJOEI, vol. 2, no. 2, pp. 1–19, Feb. 2020, Accessed: Dec. 24, 2025. [Online]. Available: https://ajoeijournal.org/sys/index.php/ajoei/article/view/82