Oduor, D. O. ., D. A. . Jagongo, and D. C. . Njoka. “Digital Finance and Profitability of Small and Medium Enterprises in Siaya County, Kenya”. Journal of Finance and Accounting, vol. 5, no. 2, Apr. 2025, pp. 49-59, doi:10.70619/vol5iss2pp49-59.