Bregu, Elvis, Armela Anamali, and Bitila Shosha. “The Diffusion of M-Pesa in Developing Countries: Convergence Program Lead Vodafone Albania Sh.A, Tirane, Albania”. European Journal of Economics and Business Studies 5, no. 2 (August 31, 2019): 43–47. Accessed November 5, 2025. https://revistia.com/index.php/ejes/article/view/2699.