Deme, Mussa, Ghulam Dastgir Khan, and MD. Abdul Bari. “Impact of Mobile Money Access on Household Expenditures: A Case Study from Kenya”. Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan 25, no. 2 (December 31, 2024): 282–293. Accessed November 16, 2025. https://journals2.ums.ac.id/jep/article/view/8485.