S. Abdul’aziz and A. D. Muhammad, “Impact of Digital Innovation on the Growth of Small and Medium Enterprises in Katsina State, Nigeria”, UMYU-JBAM, vol. 1, no. 1 & 2, pp. 337–350, Oct. 2025, Accessed: Apr. 05, 2026. [Online]. Available: https://publications.umyu.edu.ng/jbam/index.php/ujbam/article/view/24