Mutheu Mulwa, M., and T. Mwololo Waema. “Understanding Mobile Banking from a Theoretical Lens: Case Studies of Selected Kenyan M-Banking Products”. INTERNATIONAL JOURNAL OF MANAGEMENT &Amp; INFORMATION TECHNOLOGY, vol. 10, no. 8, Oct. 2015, pp. 2434-4, doi:10.24297/ijmit.v10i8.6559.