გამოყენებული ლიტერატურა:

1. Abd Rani, S. H., & Hashim, N. (2017). Factors that influence women entrepreneurial success in Malaysia: A conceptual framework. International Journal of Research in Business Studies and Management, 1(4), 16–23.
2. Adebisi, A. O., Olaiya, A. C., & Okonkwo, C. U. (2020). Entrepreneurial financing and Nigerian economic growth: An empirical analysis. Al-Hikmah Management Review, 5(1), 115–130.
3. Ankeli, O. D., & Ogore, M. M. (2025). IyaCare: An AI-IoT-blockchain platform for maternal healthcare in resource-constrained settings. arXiv.
4. Anyanwu, J. C. (2021). Access to finance and SME development in Nigeria. African Development Review, 33(2), 45–60. https://doi.org/10.1111/1467-8268.12487
5. Azubuike, O., & Nwangwu, C. (2023). Assessing digital health maturity in Nigeria: A subnational analysis. Journal of Global Health Reports.
6. Barney, J. B. (1991). Firm resources and sustained competitive advantage. Journal of Management, 17(1), 99–120. https://doi.org/10.1177/014920639101700108
7. Bennett, M., & Coats, L. (2026). Digital health innovation and patient-centered scaling strategies. European Journal of Cardiovascular Nursing.
8. Bitomsky, L., Nißen, M., & Kowatsch, T. (2025). Equity by design in digital health innovation. International Journal for Equity in Health.
9. Dada, O. S., & Owualah, S. I. (2023). Entrepreneurial financing and financial performance of selected small and medium enterprises in Lagos State, Nigeria. International Research Journal of Economics and Management Studies, 2(2), 472–479.
10. Elechi, U. S., Onah, C. O., Tarawallie, M. A., & Ifeanyi, I. (2026). Beyond seed funding: Why Nigerian digital health startups struggle to grow. Health Economics Review, 16(1), 1–15.
11. Fiol, C. M. (2001). Revisiting an identity-based view of sustainable competitive advantage. Journal of Management, 27, 691–699. https://doi.org/10.1177/014920630102700607
12. Łasak, P. (2022). The role of financial technology and entrepreneurial finance practices in funding small and medium-sized enterprises. Journal of Entrepreneurship, Management, and Innovation, 18(1), 7–34. https://doi.org/10.7341/20221811
13. Linus, J. O., Lawal, F. C., Rasheed, A., Okafor, S. O., & Patricia, I. O. (2025). Financial development and entrepreneurship growth in Nigeria. International Journal of Research and Scientific Innovation, 12(3), 922–931.
14. Myers, S. C. (1984). The capital structure puzzle. The Journal of Finance, 39(3), 574–592. https://doi.org/10.2307/2327916
15. Nabelsi, V., Plouffe, V., & Leclerc, M. (2025). Barriers and facilitators to telehealth innovation. JMIR Aging.
16. Ogundaini, O., & Van Belle, J. P. (2020). Health technology innovation in sub-Saharan Africa: Trends, challenges and opportunities. Information Technology for Development, 26(4), 722–741. https://doi.org/10.1080/02681102.2020.1725749
17. Ogundana, I., & Olayemi, A. (2022). Impact of entrepreneurial finance on startup performance in Nigeria. Journal of African Entrepreneurship, 8(1), 24–37.
18. Okonkwo, C. J., Ifechukwu‑Jacobs, C., & Obiezekwem, C. J. (2024). Entrepreneurial financing and small business enterprise performance in Enugu State. Innovations, 79, 783–800.
19. Oluwatobi, S., & Aladejebi, O. (2020). Financing innovation: The challenge of health-tech entrepreneurship in Nigeria. Nigerian Journal of Entrepreneurship and Innovation, 5(2), 101–114.
20. Owoyemi, A., Nnaemeka, E., Benson, T. O., et al. (2023). Machine learning recommendation system for health insurance decision-making in Nigeria. arXiv.
21. Owualah, S.(2020). Nigeria’s SME Sector: Challenges and Opportunities, Lagos, Nigeria
22. Pfitzer, E., Bitomsky, L., Nißen, M., Kausch, C., & Kowatsch, T. (2024). Success factors of growth-stage digital health companies: A systematic review. Journal of Medical Internet Research, 26, e60473.
23. Ries, E. (2011). The lean startup: How today’s entrepreneurs use continuous innovation to create radically successful businesses. New York: Crown Business.
24. Rodrigues, L. J., Bharathi, K., Rajan, M., et al. (2026). Interlinking FinTech and eHealth: A qualitative study. Frontiers in Public Health.
25. Rose, D. S. (2014). Angel investing: The Gust guide to making money and having fun investing in startups. Hoboken, NJ: Wiley.
26. Vazirani, A., & Bhattacharjee, T. (2021). Entrepreneurial finance in the twenty-first century: A review of factors influencing venture capitalist’s decision. The Journal of Entrepreneurship, 30(2), 306–335.
27. Wang, J., Lin, A., Huang, Y., et al. (2025). Medical data as a key asset in digital health innovation. iMetaMed.