Abdu, A.K. et al. 2026. Determinants of Digital Adoption among Micro and Small Enterprises in Developing Economies: Evidenced from the Afar region, Ethiopia. American Journal of Financial Technology and Innovation. 4, 1 (Jun. 2026), 107–117. DOI:https://doi.org/10.54536/ajfti.v4i1.7748.