OTIENO, Olivia; KARIMI, Lucy; NYATAYA, Benard. Digital Transformation Strategy and Competitive Advantage of Financial Institutions in Kenya: Trends, Challenges and Opportunities for African Businesses. African Journal of Business and Development Studies, [S. l.], v. 2, n. 1, p. 637–658, 2025. DOI: 10.70641/ajbds.v2i1.171. Disponível em: https://journals.usiu.ac.ke/index.php/AJBDS/article/view/171. Acesso em: 19 oct. 2025.