Mohammed Hersi Warsame, and Yousif Abdelbagi Abdalla. “DETERMINANTS OF CUSTOMERS’ ATTITUDE TOWARDS CREDIT CARD USAGE IN KENYA”. PalArch’s Journal of Archaeology of Egypt / Egyptology, vol. 17, no. 8, Dec. 2020, pp. 198-21, http://mail.palarch.nl/index.php/jae/article/view/3035.