Afuah, A. (2014). Business model innovation: concepts, analysis, and cases: Routledge.
Babb, J. S., & Abdullat, A. (2012). The need for mobile application development in is curricula: an innovation and disruptive technologies perspective. Information Systems Education Journal, 10(1), 61.
Centre, S. (2016). http://www.saritcentre.com/about/Retrieved 28th September, 2016, from http://www.saritcentre.com
Christensen, C., & Raynor, M. (2013). The innovator's solution: Creating and sustaining successful growth: Harvard Business Review Press.
Christensen, C. M. (2006). The ongoing process of building a theory of disruption. Journal of Product innovation management, 23(1), 39-55.
Christensen, C. M., Baumann, H., Ruggles, R., & Sadtler, T. M. (2006). Disruptive innovation for social change. Harvard business review, 84(12), 94.
Christenson, C. (1997). The innovator’s dilemma. Harvard Business School Press, Cambridge, Mass.
Clapp, J. M. (1993). Dynamics of office markets: empirical findings and research issues: The Urban Insitute.
Danneels, E. (2004). Disruptive technology reconsidered: A critique and research agenda. Journal of Product innovation management, 21(4), 246-258.
Dyer, J., Gregersen, H., & Christensen, C. (2013). The innovator's DNA: Mastering the five skills of disruptive innovators: Harvard Business Press.
Govindarajan, V., & Kopalle, P. K. (2006). The usefulness of measuring disruptiveness of innovations ex post in making ex ante predictions. Journal of Product innovation management, 23(1), 12-18.
Linton, J. D. (2002). Forecasting the market diffusion of disruptive and discontinuous innovation. IEEE Transactions on Engineering Management, 49(4), 365-374.
Markides, C. C. (2013). Game-changing strategies: How to create new market space in established industries by breaking the rules: John Wiley & Sons.
Mas, I., & Radcliffe, D. (2010). Mobile payments go viral: M-PESA in Kenya.
McGrath, R. G. (2010). Business models: a discovery driven approach. Long range planning, 43(2), 247-261.
Mothe, C., & Uyen Nguyen Thi, T. (2010). The link between non-technological innovations and technological innovation. European Journal of Innovation Management, 13(3), 313-332.
Mugenda, O. M. (1999). Research methods: Quantitative and qualitative approaches: African Centre for Technology Studies.
Novogratz, J. (2010). The blue sweater: Bridging the gap between rich and poor in an interconnected world: Rodale.
Oteri, O. M., Kibet, L. P., & Ndung’u Edward, N. (2015). Mobile Subscription, Penetration and Coverage Trends in Kenya’s Telecommunication Sector. International Journal of Advanced Research in Artificial Intelligence (IJARAI), 1(4), 1-7.
Oyelaran-Oyeyinka, B., & Adeya, C. N. (2004). Internet access in Africa: empirical evidence from Kenya and Nigeria. Telematics and Informatics, 21(1), 67-81.
Sandström, C. G. (2010). A Revised Perspective on Disruptive Innovation: Exploring Value, Networks and Business Models: Chalmers University of Technology.
Tay, R. S., Lau, C. K., & Leung, M. S. (1999). The determination of rent in shopping centers: some evidence from Hong Kong. Journal of Real Estate Literature, 7(2), 183-196.
Teece, D. J. (2010). Business models, business strategy and innovation. Long range planning, 43(2), 172-194.
Tellis, G. J. (2006). Disruptive technology or visionary leadership? Journal of Product innovation management, 23(1), 34-38.
Thain, G., & Skey, A. (2015). E-Retail Zero Friction in a Digital Universe: First Edition Design eBook Publishing.
Wheaton, W. C., & Torto, R. G. (1990). An investment model of the demand and supply for industrial real estate. Real Estate Economics, 18(4), 530-547.
Williamson, O. E. (1985). The Economic Institutions of Capitalism Firms Markets Relational Contracting: Free Press.
Yu, D., & Hang, C. C. (2010). A reflective review of disruptive innovation theory. International Journal of Management Reviews, 12(4), 435-452.
Zott, C., & Amit, R. (2010). Business model design: an activity system perspective. Long range planning, 43(2), 216-226.