APA (7th ed.) Citation
Ntshakala, T. (2026). The influence of AI-enabled tool adoption, digital footprints, and SME credibility on loan approvals: A quantitative study of South African SMEs. University of Pretoria.
Chicago Style (17th ed.) Citation
Ntshakala, Thembekile. The Influence of AI-enabled Tool Adoption, Digital Footprints, and SME Credibility on Loan Approvals: A Quantitative Study of South African SMEs. University of Pretoria, 2026.
MLA (9th ed.) Citation
Ntshakala, Thembekile. The Influence of AI-enabled Tool Adoption, Digital Footprints, and SME Credibility on Loan Approvals: A Quantitative Study of South African SMEs. University of Pretoria, 2026.
Warning: These citations may not always be 100% accurate.