Lee , Grace Kaleli-. “ The Cultural Foundations Supporting M-PESA’s Technical Transformation of Local Economics in Kenya through Increased Money Mobility ”. African Journal of Education,Science and Technology (AJEST) 2, no. 1 (December 19, 2014): Pg 32–38. Accessed April 3, 2026. http://ajest.org/index.php/ajest/article/view/256.