[
Aicha, E. (2023). Effect of Fintech Services on Financial Inclusion in Kenya. https://doi.org/10.21203/rs.3.rs-2544433/v1
]Search in Google Scholar
[
Afolayan, O. T. (2022). Intellectual property rights protection in Nigeria: issues and perspectives. Information Impact: Journal of Information and Knowledge Management, 13(1), 1-9. https://doi.org/10.4314/iijikm.v13i1.1
]Search in Google Scholar
[
Anagnostopoulos, I. (2018). Fintech and regtech: impact on regulators and banks. Journal of Economics and Business, 100, 7-25. https://doi.org/10.1016/j.jeconbus.2018.07.003
]Search in Google Scholar
[
Andriosopoulos, D., Faff, R. W., & Paudyal, K. (2019). Financial Markets, Innovation and Regulation. In European Journal of Finance. https://doi.org/10.1080/1351847x.2019.1571727
]Search in Google Scholar
[
Beaumier, G., Kalomeni, K., Campbell-Verduyn, M., Lenglet, M., Natile, S., Papin, M., Rodima-Taylor, D., Silve, A., & Zhang, F. (2020). Global Regulations for a Digital Economy: Between New and Old Challenges. In Global Policy. https://doi.org/10.1111/1758-5899.12823
]Search in Google Scholar
[
Beyers, J., & Arras, S. (2019). Who Feeds Information to Regulators? Stakeholder Diversity in European Union Regulatory Agency Consultations. In Journal of Public Policy. https://doi.org/10.1017/s0143814x19000126
]Search in Google Scholar
[
Brandl, B., & Hornuf, L. (2020). Where Did FinTechs Come From, and Where Do They Go? The Transformation of the Financial Industry in Germany After Digitalization. In Frontiers in Artificial Intelligence. https://doi.org/10.3389/frai.2020.00008
]Search in Google Scholar
[
Buluma, F. C. O., & Mungai, F. N. (2017). Effect of Sasra Regulations on Financial Performance of Nyandarua County’ S Deposit Taking Saccos in Kenya. International Journal of Economics, Commerce and Management, V(7), 614–636.
]Search in Google Scholar
[
CAK. (2021). What We Do - Communications Authority of Kenya - Communications Authority of Kenya. https://www.ca.go.ke/about-us/who-we-are/what-we-do/
]Search in Google Scholar
[
Chinelo, U. U., & Ayodeji, E. P. (2022). Leveraging on Digital Technology for Financial Inclusion of Women Agripreneurs in Southern Nigeria. In F1000research. https://doi.org/10.12688/f1000research.122123.1
]Search in Google Scholar
[
Creswell, J. W., & Clark, V. L. P. (2017). Designing and conducting mixed methods research. Sage publications.
]Search in Google Scholar
[
Cui, V., Narula, R., Minbaeva, D., & Vertinsky, I. (2022). Towards Integrating Country- And Firm-Level Perspectives on Intellectual Property Rights. In Journal of International Business Studies. https://doi.org/10.1057/s41267-022-00564-0
]Search in Google Scholar
[
Deng, J., Zhang, N., Ahmad, F., & Draz, M. U. (2019). Local Government Competition, Environmental Regulation Intensity and Regional Innovation Performance: An Empirical Investigation of Chinese Provinces. In International Journal of Environmental Research and Public Health. https://doi.org/10.3390/ijerph16122130
]Search in Google Scholar
[
Hall, J. and Rosson, P. (2006). The impact of technological turbulence on entrepreneurial behavior, social norms and ethics: three internet-based cases. Journal of Business Ethics, 64(3), 231-248. https://doi.org/10.1007/s10551-005-5354-z
]Search in Google Scholar
[
Harkácsi, G. J., & Szegfű, L. P. (2021). The Role of the Compliance Function in the Financial Sector in the Age of Digitalisation, Artificial Intelligence and Robotisation. Financial Economic Review. https://doi.org/10.33893/FER.20.1.152170
]Search in Google Scholar
[
Laeven, L., Levine, R., & Michalopoulos, S. (2015). Financial innovation and endogenous growth. Journal of Financial Intermediation. https://doi.org/10.1016/j.jfi.2014.04.001
]Search in Google Scholar
[
Li, X., Zhao, C., & Tian, K. (2021). Privacy measurement method using a graph structure on online social networks. ETRI Journal, 43(5), 812-824. https://doi.org/10.4218/etrij.2019-0495
]Search in Google Scholar
[
Liao, Z. (2018). Institutional Pressure, Knowledge Acquisition and a Firm’s Environmental Innovation. In Business Strategy and the Environment. https://doi.org/10.1002/bse.2036
]Search in Google Scholar
[
Mahalle, A., Yong, J., & Tao, X. (2021). Regulatory Challenges and Mitigation for Account Services Offered by FinTech. https://doi.org/10.1109/cscwd49262.2021.9437631
]Search in Google Scholar
[
Mogaji, E., Soetan, T. O., & Kieu, T. A. (2020). The Implications of Artificial Intelligence on the Digital Marketing of Financial Services to Vulnerable Customers. In Australasian Marketing Journal (Amj). https://doi.org/10.1016/j.ausmj.2020.05.003
]Search in Google Scholar
[
Muninger, M.-I., Hammedi, W., & Mahr, D. (2019). The Value of Social Media for Innovation: A Capability Perspective. In Journal of Business Research. https://doi.org/10.1016/j.jbusres.2018.10.012
]Search in Google Scholar
[
Naderifar, M., Goli, H., & Ghaljaie, F. (2017). Snowball sampling: a purposeful method of sampling in qualitative research. Strides in Development of Medical Education, 14(3). https://doi.org/10.5812/sdme.67670
]Search in Google Scholar
[
Njinyah, S., Asongu, S. A., & Adeleye, N. (2022). The Interaction Effect of Government Non-Financial Support and Firm’s Regulatory Compliance on Firm Innovativeness in Sub-Saharan Africa. In European Journal of Innovation Management. https://doi.org/10.1108/ejim-07-2022-0352
]Search in Google Scholar
[
Oliveira, P., & Von Hippel, E. (2011). Users as service innovators: The case of banking services. Research Policy. https://doi.org/10.1016/j.respol.2011.03.009
]Search in Google Scholar
[
Otieno, G., & Kiraka, R.N. (2023). Beyond the innovator’s Dilemma: The process and effect of fintech regulatory environment. Cogent Business and Management, 10(2). https://doi.org/10.1080/23311975.2023.2226422
]Search in Google Scholar
[
Stewart, H., & Jürjens, J. (2018). Data Security and Consumer Trust in FinTech Innovation in Germany. In Information and Computer Security. https://doi.org/10.1108/ics-06-2017-0039
]Search in Google Scholar
[
Teece, D. J. (2010). Business models, business strategy and innovation. Long Range Planning, 43(2–3), 172–194. https://doi.org/10.1016/j.lrp.2009.07.003
]Search in Google Scholar
[
Vogelgsang, L. (2020). Transition rather than balance: organizing constraints for collective creativity in pharmaceutical development. Creativity and Innovation Management, 29(3), 413-423. https://doi.org/10.1111/caim.12391
]Search in Google Scholar
[
von Hippel, E. (2017). Free Innovation. In Free Innovation (Vol. 1, Issue 1). The MIT Press.
]Search in Google Scholar
[
Wagner, B., & Fain, N. (2017). Regulatory Influences on Innovation in the Public Sector: The Role of Regulatory Regimes. In Public Management Review. https://doi.org/10.1080/14719037.2017.1350282
]Search in Google Scholar
[
Xu, Y., Bao, H., Zhang, W., & Zhang, S. (2021). Which Financial Earmarking Policy Is More Effective in Promoting FinTech Innovation and Regulation? In Industrial Management & Data Systems. https://doi.org/10.1108/imds-11-2020-0656
]Search in Google Scholar
[
Yamane, T. (1967). Statistics, An Introductory Analysis, 2nd Ed., New York: Harper and Row.
]Search in Google Scholar
