IOSR-JEF   Volume-16 ~ Issue-2 ~ Mar. – Apr. 2025

[1]. Ali, J., & Ghildiyal, A. K. (2023). Socio-Economic Characteristics, Mobile Phone Ownership And Banking Behaviour Of Individuals As Determinants Of Digital Financial Inclusion In India. International Journal Of Social Economics, 50(10), 1375–1392. Https://Doi.Org/10.1108/IJSE-10-2022-0673
[2]. Allen, F., Demirguc-Kunt, A., Klapper, L., & Martinez Peria, M. S. (2016). The Foundations Of Financial Inclusion: Understanding Ownership And Use Of Formal Accounts. Journal Of Financial Intermediation, 27, 1–30. Https://Doi.Org/10.1016/J.Jfi.2015.12.003
[3]. Amari, M., & Anis, J. (2021). Exploring The Impact Of Socio-Demographic Characteristics On Financial Inclusion: Empirical Evidence From Tunisia. International Journal Of Social Economics, 48(9), 1331–1346. Https://Doi.Org/10.1108/IJSE-08-2020-0527
[4]. Clamara, N., & David, T. (2015). Factors That Matter For Financial Inclusion: Evidence From Peru. AESTIMATIO, 9(2015), 8–29. Https://Doi.Org/10.5605/IEB.10.1
[5]. Dar, A. B., & Ahmed, F. (2020). Financial Inclusion Determinants And Impediments In India: Insights From The Global Financial Inclusion Index. Journal Of Financial Economic Policy, 13(3), 391–408. Https://Doi.Org/10.1108/JFEP-11-2019-0227.

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[1]. Bates, R. (2017). Banking On The Future: An Exploration Of Fintech And The Consumer Interest. A Report For Consumers International.
[2]. Cook, T. (2018). Why Fintech Matters: Reflecting On FSD Kenya’s Work – Financial Sector Deepening Kenya. Retrieved 4 August 2023, From Https://Fsdkenya.Org/Blog/Why-Fintech-Matters-Reflecting-On-Fsd-Kenyas-Work/
[3]. Ernest & Young. (2019). Fintechs In Sub-Saharan Africa: An Overview Of Market Developments And Investment Opportunities. Hollandfintech.Com.
[4]. Fintech Global. (2022). Kenyan Fintech Investment Continues To Grow In H1 2022. Retrieved 15 October 2022, From Https://Member.Fintech.Global/2022/09/06/Kenyan-Fintech-Investment-Continues-To-Grow-In-H1-2022/
[5]. Guild, J. (2017). Fintech And The Future Of Finance. Asian Journal Of Public Affairs, 17-20..

[1] Acypreste, R. D., & Paraná, E. (2022). Artificial Intelligence And Employment: A Systematic Review. Brazilian Journal Of Political Economy, 42(4), 1014–1032. Https://Doi.Org/10.1590/0101-31572022-3320
[2] Agrawal, A., Gans, J., Goldfarb, A., & National Bureau Of Economic Research (Eds.). (2019). The Economics Of Artificial Intelligence: An Agenda. NBER Conference On The Economics Of Artificial Intelligence, Chicago London. The University Of Chicago Press.
[3] Akter, S., Dwivedi, Y. K., Biswas, K., Michael, K., Bandara, R. J., & Sajib, S. (2021). Addressing Algorithmic Bias In AI-Driven Customer Management: Journal Of Global Information Management, 29(6), 1–27. Https://Doi.Org/10.4018/JGIM.20211101.Oa3
[4] Albayrak Ünal, Ö., Erkayman, B., & Usanmaz, B. (2023). Applications Of Artificial Intelligence In Inventory Management: A Systematic Review Of The Literature. Archives Of Computational Methods In Engineering. Https://Doi.Org/10.1007/S11831-022-09879-5
[5] Atwani, M., Hlyal, M., & Elalami, J. (2022). A Review Of Artificial Intelligence Applications In Supply Chain. ITM Web Of Conferences, 46, 03001. Https://Doi.Org/10.1051/Itmconf/20224603001.