Melesse, Shibiru, Oliver Scholz, and Abdi Ahmad. “Navigating the Digital Landscape: Digital Innovation Readiness in Ethiopia’s Financial Sector”. Ethiopian Journal of Science and Sustainable Development 12, no. 1 (January 5, 2025): 28-41. Accessed April 1, 2026. http://213.55.101.19/index.php/EJSSD/article/view/973.