Abdu, A. K. ., Ano, D. T. ., & Muhiye, E. M. . (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), 107-117. https://doi.org/10.54536/ajfti.v4i1.7748