Higgo, Megan, and Liesbeth Botha. “Digital Innovation Management in Developing Economies: Challenges and Emerging Strategies in the Financial Services Sector of South Africa”. The South African Journal of Industrial Engineering 36, no. 1 (May 30, 2025): 158–172. Accessed June 13, 2025. https://sajie.journals.ac.za/pub/article/view/3033.