Kitigin , Beatrice K., Michael Korir, and Kefa Chepkwony. 2020. “ E-Banking Technology Characteristics, Innovative Behaviour and E-Banking Technology Adoption in Vihiga County, Kenya ”. African Journal of Education,Science and Technology (AJEST) 6 (1):Pg 185-197. https://ajest.org/index.php/ajest/article/view/514.