D. K. . Kithinji, D. M. . Magu, and A. M. Kuria, “ATM Systems Innovations and Performance of Deposit Taking SACCOs in Kenya”, JBMI Insight, vol. 3, no. 5, pp. 98–111, Sep. 2026, Accessed: Oct. 23, 2026. [Online]. Available: https://jbmipublisher.org/system/index.php/home/article/view/170