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Allen, F., Carletti, E., Cull, R., Qian, J., Senbet, L., & Valenzuela, P. (2016-09-23). Resolving the African Financial Development Gap: Cross-Country Comparisons and a Within-Country Study of Kenya. In African Successes, Volume III: Modernization and Development. : University of Chicago Press. Retrieved 17 Sep. 2021, from https://chicago.universitypressscholarship.com/view/10.7208/chicago/9780226315867.001.0001/upso-9780226315720-chapter-1.