Peter , Godfrey Mutinda, et al. “Behavioural Orientation and Digital Credit Engagement: An Examination of Attitudes, Intentions, and Equitable Access in Nairobi City County”. Journal of Business and Entrepreneurship (JBE), vol. 5, no. 1, Apr. 2026, pp. 18-24, doi:10.51317/jbe.v5i1.978.