xxv Acknowledgment The editing and publishing of this book is a statement of conceived teamwork and hard work conceived behind the scenes. Consequently, we would like to appreciate the following team for being instrumental aiding the completion of this book. First and foremost we like to appreciate Blessings Suzzanna Thaisayi (Kenya Medical Training Center [K.M.T.C ], Nairobi-Kenya) and Doxa Omwami Thaisaiyi for their support, dedication and sacrifice in seeing the fruition of editing and publishing this book. We convey our sincere appreciation to Dr. Mutuma Michubu (Kenyatta University), Dr. Beatrice Matiri – Maisori (Riara University), Dr. Job Omangwa (Kenyatta University), Dr. Olayemi Abdullateef Aliyu, (Toi Ohomai Institute of Technology,), Dr. Julius Otundo (Riara University), Dr. Alice Kande Gakuo (Commission of University Education), Dr. Albert Juma (La Trobe University, Australia Dr. Olouch J. Olouch (Jomo Kenyatta University of Agriculture and Technology),Dr. Samuel Ekundayo (Eastern Institute of Technology, New Zealand) Phanice Ambusti (Presbyterian University of East Africa), Rogers Kinoti (Riara University), Dr. Palak Kanojia (Hansraj College, University of Delhi), Dr. Margaret Njeru (Riara University), and Dr. Dennis Ouma (Kaimosi University College) for the support and advice that freely flowed during the editing phase of this book. We also take time to single out work of David Alidadi Opati of KEMRI as a research assistant in data collection for selected chapters within the domain of digital lending. We also feel indebted to Marion Amukunzi (School of Journalism -Raira University) for her critical role in editing some of the chapters contained in this book. Lastly our heartfelt gratitude goes to Prof Gateru Robert, the Vice-Chancellor, Riara University, for his advice and continual support during inception, editing and publishing of this book..