NGWARE, Stephen Githaiga. Effect of Emerging Technologies on Operational Efficiency of Commercial Banks in Kenya. The University Journal, [S. l.], v. 7, n. 2, p. 112–126, 2025. DOI: 10.59952/tuj.v7i2.420. Disponível em: http://journals.daea.or.ke/index.php/tuj/article/view/420. Acesso em: 27 jun. 2026.