Misati, Roseline Nyakerario; Kamau, Anne; Kipyegon, Leonard - 2020
the provision of loans by non-bank actors is growing. However the non-bank credit only provides loans at very high …-income earners who may not afford smartphones, may not have access to internet or may be unfamiliar with smartphone features. Non-bank … credit only providers have diverse sources of funds, thus, there is need to understand the implications of alternative …