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Julius Miroga Bichanga

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#diffusion models Open access Oct 2026

Financial Technology Adoption and Financial Inclusion of Underserved Groups in Commercial Banks in Nakuru County, Kenya.

Financial inclusion, defined as the ability of individuals and businesses to access and effectively use affordable, appropriate and sustainable formal financial services, is vital for economic empowerment and resilience. Despite Kenya achieving an overall financial inclusion rate of 84.8% in 2024, disparities persist,...

Erick Ombati Nyatangi, Julius Miroga Bichanga · 0 citations

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