Most Cited M-Pesa, M-Shwari, and M-Kesho Publications

Phone SIM CadM-Pesa is a mobile money created by SafariCom, the largest telecom company in Kenya and Tanzania. It is an example of electronic money leapfrogging technology. In this case, people skipped using banks and payment networks and moved directly to mobile wallets. In addition to payments users can now create bank accounts and loans with the additional M-Shwari and M-Kesho services. It is a successful example of a mobile payment network that has widespread adoption for everyday use. Last updated November 26th, 2017.

  1. Mobile money: The economics of M-PESA“. W Jack, T Suri. 2011. nber.org . 447 cites.
  2. M-PESA: mobile money for the “unbanked” turning cellphones into 24-hour tellers in Kenya“. N Hughes, S Lonie. 2007. MIT Press Innovations. 378 cites.
  3. Mobile banking: The impact of M-Pesa in Kenya“. I Mbiti, DN Weil. 2011. nber.org . 261 cites.
  4. Risk sharing and transactions costs: Evidence from Kenya’s mobile money revolution“. W Jack, T Suri. 2014. American Economic Association The American Economic Review. 235 cites.
  5. Mobile payments go viral: M-PESA in Kenya“. I Mas, D Radcliffe. 2010. elibrary.worldbank.org . 228 cites.
  6. Designing mobile money services lessons from M-PESA“. I Mas, O Morawczynski. 2009. MIT Press Innovations. 197 cites.
  7. Mobile banking adoption: A literature review“. AA Shaikh, H Karjaluoto. 2015. Elsevier Telematics and Informatics. 171 cites.
  8. Poor people using mobile financial services: observations on customer usage and impact from M-PESA“. O Morawczynski, M Pickens. 2009. 52.21.52.208 . 165 cites.
  9. Innovating for shared value“. M Pfitzer, V Bockstette, M Stamp. 2013. comfama.com.co Harvard Business Review. 137 cites.
  10. Is the bottom of the pyramid really for you“. A Karamchandani, M Kubzansky…. 2011. guiarscpymes.org Harvard Business …. 130 cites.
  11. Exploring the usage and impact of “transformational” mobile financial services: The case of M-PESA in Kenya“. O Morawczynski. 2009. Taylor & Francis Journal of Eastern African Studies. 129 cites.
  12. The mobile phone ‘revolution’in Africa: rhetoric or reality?“. S Etzo, G Collender. 2010. academic.oup.com African affairs. 127 cites.
  13. Kenya’s mobile revolution and the promise of mobile savings“. G Demombynes, A Thegeya. 2012. papers.ssrn.com . 114 cites.
  14. The impact of mobile payments on the success and growth of micro-business: The case of M-Pesa in Kenya“. M Mbogo. 2010. ajol.info Journal of Language, Technology & Entrepreneurship …. 104 cites.
  15. Understanding mobile banking: The unified theory of acceptance and use of technology combined with cultural moderators“. G Baptista, T Oliveira. 2015. Elsevier Computers in Human Behavior. 102 cites.
  16. Examining trust in mobile banking transactions: The case of M-PESA in Kenya“. O Morawczynski, G Miscione. 2008. Springer IFIP International Conference on Human …. 100 cites.
  17. The economics of branchless banking“. I Mas. 2009. MIT Press innovations. 92 cites.
  18. Mobile-banking adoption and usage by low-literate, low-income users in the developing world“. I Medhi, A Ratan, K Toyama. 2009. Springer Internationalization, design and global …. 81 cites.
  19. Application of Technology Acceptance Model (TAM) in M-Banking Adoption in Kenya.“. I Lule, TK Omwansa, TM Waema. 2012. researchgate.net International Journal of …. 76 cites.
  20. M-PESA: Progress and prospects“. T Omwansa. 2009. uonbi.ac.ke Innovations. 69 cites.
  21. Community-level economic effects of M-PESA in Kenya“. MG Plyler, S Haas, G Nagarajan. 2010. fsassessment.umd.edu Financial services …. 67 cites.
  22. Human–computer interaction and global development“. K Toyama. 2010. nowpublishers.com Foundations and Trends® in Human–Computer …. 64 cites.
  23. Development 2.0: the IT-enabled transformation of international development“. R Heeks. 2010. dl.acm.org Communications of the ACM. 62 cites.
  24. Entrepreneurship and socioeconomic development in Africa: a reality or myth?“. FM Nafukho, MA Helen Muyia. 2010. emeraldinsight.com Journal of European Industrial …. 60 cites.
  25. An emerging platform: From money transfer system to mobile money ecosystem“. J Kendall, B Maurer, P Machoka, C Veniard. 2012. MIT Press . 59 cites.
  26. Expanding the financial services frontier: Lessons from mobile phone banking in Kenya“. M Kimenyi, N Ndung’u. 2009. www.w.gsma.com Washington, DC: Brookings Institution) …. 56 cites.
  27. The philanthropic state: market–state hybrids in the philanthrocapitalist turn“. L McGoey. 2014. Taylor & Francis Third World Quarterly. 55 cites.
  28. Branchless and mobile banking solutions for the poor: a survey of the literature“. A Dermish, C Kneiding, P Leishman, I Mas. 2012. MIT Press . 51 cites.
  29. M-PESA: A case study of the critical early adopters’ role in the rapid adoption of mobile money banking in Kenya“. B Ngugi, M Pelowski, JG Ogembo. 2010. The Electronic Journal of Information Systems in …. 51 cites.
  30. M-banking in developing markets: competitive and regulatory implications“. J Anderson. 2010. emeraldinsight.com info. 49 cites.
  31. Surviving in the‗ dual system ‘: How M-PESA is fostering urban-to-rural remittances in a Kenyan Slum,‖ in“. O Morawczynski. 2008. researchspace.csir.co.za Proceedings of the IFIP WG. 48 cites.
  32. Safaricom and M-Pesa in Kenya: financial inclusion and financial integrity“. MW Buku, MW Meredith. 2012. HeinOnline Wash. Jl tech. & arts. 46 cites.
  33. Early lessons from the deployment of M-PESA“. P Vaughan. 2007. Vodafone’s own mobile transactions service,‖ The …. 46 cites.
  34. Extracting key lessons in service innovation“. S Wooder, S Baker. 2012. Wiley Online Library Journal of Product Innovation …. 44 cites.
  35. Bridges to Cash: the retail end of M-PESA“. F Eijkman, J Kendall, I Mas. 2010. JSTOR Savings and development. 42 cites.
  36. Nonbank e-money issuers: regulatory approaches to protecting customer funds“. M Tarazi, P Breloff. 2010. presite.gsma.com Focus Note. 42 cites.
  37. Documenting the birth of a financial economy“. T Suri, W Jack, TM Stoker. 2012. National Acad Sciences Proceedings of the National …. 40 cites.
  38. Fertile grounds for mobile money: Towards a framework for analysing enabling environments“. A Heyer, I Mas. 2011. developmentbookshelf.com Enterprise Development and …. 40 cites.
  39. Examining the usage and impact of transformational M-banking in Kenya“. O Morawczynski. 2009. Springer Internationalization, design and global development. 39 cites.
  40. The long-run poverty and gender impacts of mobile money“. T Suri, W Jack. 2016. science.sciencemag.org Science. 36 cites.
  41. The mobile banking and payment revolution“. S Gupta. 2013. pdfs.semanticscholar.org European Financial Review. 36 cites.
  42. Transaction networks: Evidence from mobile money in Kenya“. W Jack, A Ray, T Suri. 2013. American Economic Association The American Economic …. 35 cites.
  43. Customer adoption of mobile payment services by professionals across two cities in India: An empirical study using modified technology acceptance model“. R Thakur. 2013. journals.sagepub.com Business Perspectives and Research. 34 cites.
  44. Stragglers of the herd get eaten: security concerns for GSM mobile banking applications“. M Paik. 2010. dl.acm.org Proceedings of the Eleventh Workshop on Mobile …. 31 cites.
  45. Some economics of private digital currency“. JS Gans, H Halaburda. 2015. nber.org Economic Analysis of the Digital Economy. 30 cites.
  46. The economics of M-PESA: An update“. W Jack, T Suri. 2010. ihub.co.ke Unpublished research paper, Georgetown University. 30 cites.
  47. Mobile payments in emerging markets“. N Kshetri, S Acharya. 2012. ieeexplore.ieee.org IT Professional. 28 cites.
  48. The mobile money movement: Catalyst to jump-start emerging markets“. M Gencer. 2011. MIT Press innovations. 28 cites.
  49. From microfinance to m-finance innovations case discussion: M-PESA“. M Kapoor, J Morduch, S Ravi. 2007. MIT Press Innovations. 28 cites.
  50. Cash In, Cash Out Kenya: The Role of M-PESA in the Lives of Low-Income People“. G Stuart, M Cohen. 2011. College Park: College Park. 27 cites.
  51. Money, real quick: The story of M-PESA“. TK Omwansa, NP Sullivan. 2012. Guardian Books . 26 cites.
  52. IT innovation for the bottom of the pyramid“. R Heeks. 2012. dl.acm.org Communications of the ACM. 26 cites.
  53. Advanced Technologies for Microfinance: Solutions and Challenges: Solutions and Challenges“. A Ashta. 2010. books.google.com . 26 cites.
  54. How M-Shwari works: The story so far“. T Cook, C McKay. 2015. cgap.org Consultative Group to Assist the Poor (CGAP) and …. 25 cites.
  55. The Home Economics of E-Money: Velocity, Cash Management, and Discount Rates of M-Pesa Users“. I Mbiti, DN Weil. 2013. American Economic Association The American economic review. 25 cites.
  56. Frugal innovation: the key to penetrating emerging markets“. K Mukerjee. 2012. researchgate.net Ivey Business Journal. 25 cites.
  57. Examining the adoption, usage and outcomes of mobile money services: the case of M-PESA in Kenya“. O Morawczynski. 2011. era.lib.ed.ac.uk . 25 cites.
  58. Cell phones, electronic delivery systems and social cash transfers: Recent evidence and experiences from Africa“. K Vincent, T Cull. 2011. Wiley Online Library International Social Security Review. 23 cites.
  59. Mobile money usage patterns of Kenyan small and medium enterprises“. D Higgins, J Kendall, B Lyon. 2012. MIT Press . 22 cites.
  60. Can the success of M-PESA be repeated? A review of the implementations in Kenya and Tanzania“. G Camner, E Sjoblom. 2009. . 22 cites.
  61. The performance and impact of M-PESA: preliminary evidence from a household survey“. C Pulver, W Jack, T Suri. 2008. Financial Sector Deepening Kenya. 22 cites.
  62. Impact of cashless economy in Nigeria“. M Omotunde, T Sunday…. 2013. researchgate.net Greener Journal of …. 21 cites.
  63. Using technology to deliver financial services to low-income households: a preliminary study of Equity Bank and M-PESA customers in Kenya“. AL Ratan. 2008. Microsoft Research Technical … . 21 cites.
  64. Creating new services“. L Patrício, RP Fisk. 2013. researchgate.net Serving customers globally. 20 cites.
  65. M-Pesa: Kenya’s mobile wallet revolution“. F Graham. 2010. BBC News. 20 cites.
  66. Early lessons from the deployment of M-PESA, Vodaphones’s own mobile transactions service“. P Vaughan. 2007. The Transformational Potential of M-transactions …. 20 cites.
  67. The digital divide, financial exclusion and mobile phone technology: Two problems, one solution?“. N Geach. 2007. emeraldinsight.com Journal of International Trade Law and Policy. 20 cites.
  68. Seven ways mobile phones have changed lives in Africa“. T Ogunlesi, S Busari. 2012. CNN. Retrieved December. 19 cites.
  69. Can the Success of M-PESA be repeated“. G Camner, E Sjöblom. 2009. A Review of. 19 cites.
  70. What makes a successful mobile money implementation? Learnings from M-PESA in Kenya and Tanzania“. G Camner, C Pulver, E Sjöblom. 2009. London: GMSA, available at: www. gsmworld. com …. 19 cites.
  71. How micro‐entrepreneurs could change the world“. R Chandy, O Narasimhan. 2011. Wiley Online Library Business Strategy Review. 18 cites.
  72. Village savings and loans: A pathway to financial inclusion for Africa’s poorest households“. L Hendricks, S Chidiac. 2011. developmentbookshelf.com Enterprise Development and …. 18 cites.
  73. A secured mobile payment model for developing markets“. B Masamila, F Mtenzi, J Said, R Tinabo. 2010. Springer Networked Digital Technologies. 17 cites.
  74. The coming African tsunami of information insecurity“. S Goodman, A Harris. 2010. dl.acm.org Communications of the ACM. 17 cites.
  75. What is the role of mobile phones in bringing about growth?“. S Qureshi. 2013. Taylor & Francis . 16 cites.
  76. Branchless banking pricing analysis“. C McKay, M Pickens. 2010. latinia.com Consultative Group to Assist the Poor (CGAP) …. 16 cites.
  77. transport MY patient: an initiative to overcome the barrier of transport costs for patients accessing treatment for obstetric fistulae and cleft lip in Tanzania“. AN Fiander, T Vanneste. 2012. journals.sagepub.com Tropical doctor. 15 cites.
  78. Harnessing mobile communications innovations for water security“. R Hope, T Foster, A Money, M Rouse. 2012. Wiley Online Library Global Policy. 15 cites.
  79. Mobile money: Getting to scale in emerging markets“. B Cobert, B Helms, D Parker. 2012. membership.gsmworld.com McKinsey & Company …. 15 cites.
  80. Where a cellphone is still cutting edge“. A Giridharadas. 2010. The New York Times. 15 cites.
  81. Challenges of agent banking experiences in Kenya“. FG Atandi. 2013. search.proquest.com International Journal of Academic Research in …. 14 cites.
  82. Results from 2011 for the transportMYpatient program for overcoming transport costs among women seeking treatment for obstetric fistula in Tanzania“. A Fiander, C Ndahani, K Mmuya…. 2013. Wiley Online Library International Journal of …. 14 cites.
  83. 全球手机银行的现状, 模式, 监管与金融包容“. 刘海二. 2013. or.nsfc.gov.cn 上海金融. 14 cites.
  84. Conceptualising ICT4D project champions“. J Renken, R Heeks. 2013. dl.acm.org Proceedings of the Sixth International Conference …. 14 cites.
  85. It’s Better Than Cash: Kenya Mobile Money Market Assessment“. L Michaels. 2011. United States Agency for International Development. 14 cites.
  86. Cash in hand: why Africans are banking on the mobile phone“. R Wray. 2008. kiwanja.net The Guardian. 14 cites.
  87. Mobile banking and mobile money adoption for financial inclusion“. AS Etim. 2014. search.proquest.com Research in Business and Economics Journal. 13 cites.
  88. Money transfer service wows Kenya“. N Mwakugu. 2007. kiwanja.net BBC News Online. 13 cites.
  89. M-Pesa and the rise of the global mobile money market“. D Runde. 2015. Forbes, August. 12 cites.
  90. State of mobile banking in Tanzania and Security issues“. B Masamila. 2014. search.proquest.com International Journal of Network Security & Its …. 12 cites.
  91. Disrupting patriarchy: An examination of the role of e-technologies in rural Kenya“. BN Sanya. 2013. academia.edu Feminist Africa 18 e-spaces: e-politics. 12 cites.
  92. Changing the Financial Landscape of Africa: An Unusual Story of Evidence‐informed Innovation, Intentional Policy Influence and Private Sector Engagement“. S Batchelor. 2012. Wiley Online Library IDS Bulletin. 12 cites.
  93. Impacts and implications of mobile water payments in East Africa“. T Foster, R Hope, M Thomas, I Cohen…. 2012. Taylor & Francis Water …. 12 cites.
  94. Mobile Money: The Economics of M-PESA“. T Suri, W Jack. 2011. NBER Working Paper. 12 cites.
  95. Putting the Banking in Branchless Banking: Regulation and the Case for Interest-Bearing and Insured E-money Savings Accounts“. T Ehrbeck, M Tarazi. 2011. membership.gsmworld.com World Economic Forum’s Mobile …. 12 cites.
  96. Regulatory Issues Around Mobile Banking“. P Makin, C Hyperion. 2010. books.google.com The Development Dimension ICTs for …. 12 cites.
  97. A new idea in banking for the poor“. A Chaia, R Schiff, E Silva. 2010. kantakji.com McKinsey Q Nov. 12 cites.
  98. Mobile money services in Nigeria: An inquiry of existing models“. JO Yakub, HT Bello, IA Adenuga. 2013. … Journal of Economics and Management Sciences. 10 cites.
  99. Mobile Banking in India-Issues & Challenges“. V Devadevan. 2013. pdfs.semanticscholar.org International Journal of Emerging …. 10 cites.
  100. Sub-Saharan Africa: A major potential revenue opportunity for digital payments“. J Kendall, R Schiff, E Smadja. 2013. papers.ssrn.com . 10 cites.
  101. Xhosa in town (revisited)–space, place and language“. A Deumert. 2013. degruyter.com International Journal of the Sociology of Language. 10 cites.
  102. Transforming innovations in Africa: explorative studies on appropriation in African societies“. JB Gewald, A Leliveld, I Peša. 2012. books.google.com . 10 cites.
  103. Designing digital payment artifacts“. M Olsen, J Hedman, R Vatrapu. 2012. dl.acm.org Proceedings of the 14th Annual …. 10 cites.
  104. Mobile banking for the unbanked“. VK Rangan, KL Lee. 2012. papers.ssrn.com . 10 cites.
  105. The dark side of cyber finance“. C Bronk, C Monk, J Villasenor. 2012. Taylor & Francis Survival. 10 cites.
  106. What can branchless banking do to advance the field, and what can it not do? From mobile banking to point of service“. C Alexandre. 2011. papers.ssrn.com . 10 cites.
  107. Saving through the Mobile: A Study of M-PESA in Kenya“. O Morawczynski. 2010. books.google.com Advanced Technologies for Microfinance …. 10 cites.
  108. Mobile phones, mobility practices, and transport organization in Sub-Saharan Africa“. G Porter. 2015. berghahnjournals.com Mobility in history. 9 cites.
  109. The Mobile-Finance Revolution; How Cell Phones Can Spur Development“. J Kendall, R Voorhies. 2014. HeinOnline Foreign Aff.. 9 cites.
  110. Pay at Your Own Risk? How to Make Every Way to Pay Safe for Mobile Payments“. S Martindale, G Hillebrand. 2011. papers.ssrn.com . 9 cites.
  111. The potential of internet-based technologies for sharing data of public health importance“. G Fegan, M Moulsdale, J Todd. 2011. SciELO Public Health Bulletin of the World Health …. 9 cites.
  112. M-PESA: Finding new ways to serve the unbanked in Kenya“. S Lonie. 2010. core.ac.uk Innovations in Rural and Agriculture Finance, ed …. 9 cites.
  113. M-KESHO in Kenya: A new step for M-PESA and mobile banking“. I Mas. 2010. . 9 cites.
  114. Outreach of M-PESA system in Kenya: Emerging trends“. S Haas, M Plyler, G Nagarajan. 2010. ww.gsmworld.com . 9 cites.
  115. From Matatu to the Masai via mobile“. P Mason. 2007. kiwanja.net BBC News. Retrieved March. 9 cites.
  116. Relax, you’ve got M-PESA: Leisure as empowerment“. R Gajjala, D Tetteh. 2014. itidjournal.org Information Technologies & International …. 8 cites.
  117. Bitcoin Versus Electronic Money“. S Rotman. 2014. openknowledge.worldbank.org . 8 cites.
  118. Remittance and household expenditures in Kenya“. CN Simiyu. 2013. Journal of Emerging Issues in Economics, Finance and …. 8 cites.
  119. Mobile apps in Africa“. S Murugesan. 2013. ieeexplore.ieee.org IT Professional. 8 cites.
  120. Learning from marginalized users: reciprocity in HCI4D“. SP Wyche, E Oreglia, MG Ames, C Hoadley…. 2012. dl.acm.org Proceedings of the …. 8 cites.
  121. Promoting responsible financial inclusion: a risk-based approach to supporting mobile financial services expansion“. MC Stephens. 2012. ftc.gov Banking and Finance Law Review. 8 cites.
  122. Mobile money: the economics of m-pesa“. J William, S Tavneet. 2011. NBER Working Paper. 8 cites.
  123. Trustworthy mobile transactions: a longitudinal study on M-PESA in Kenya“. O Morawczynski, G Miscione. 2010. books.google.com Latusek, & Gerbasi (Eds.), Trust …. 8 cites.
  124. Banking for the Poor: State-of-the-Art Financial Offerings for the Developing World“. I Mas. 2010. papers.ssrn.com Browser Download This Paper. 8 cites.
  125. “MXing it up”: How African adolescents may affect social change through mobile phone use“. CM Napolitano. 2010. Wiley Online Library New Directions for Student Leadership. 8 cites.
  126. Why has M-PESA become so popular in Kenya?“. J Rosenberg. 2008. CGAP. June. 8 cites.
  127. Unmasking the storm behind M-PESA“. J Njiraini, J Anyanzwa. 2008. East African Standard, December. 8 cites.
  128. Your gain is my pain: Negative psychological externalities of cash transfers“. J Haushofer, J Reisinger, J Shapiro. 2015. princeton.edu . 7 cites.
  129. Mobile commerce“. JM Chang, J Williams, G Hurlburt. 2014. ieeexplore.ieee.org IT Professional. 7 cites.
  130. Marketing Strategies for Profitability: A Case of Safaricom Ltd in Kenya Telecommunication Industry“. M Oloko, EB Anene, PG Kiara, I Kathambi…. 2014. academia.edu International Journal of …. 7 cites.
  131. Access to finance: an empirical analysis“. RU Arora. 2014. Springer The European Journal of Development Research. 7 cites.
  132. Overcoming technological determinism in understanding the digital divide: Where do we go from here?“. S Qureshi. 2014. Taylor & Francis . 7 cites.
  133. Kipochi Launches M-Pesa Integrated Bitcoin Wallet in Africa“. E Spaven. 2013. CoinDesk . 7 cites.
  134. Mobile cash for nomadic livestock keepers: The impact of the mobile phone money innovation (M-Pesa) on Maasai pastoralists in Kenya“. M Rutten, M Mwangi. 2012. books.google.com Transforming Innovations in Africa …. 7 cites.
  135. Emerging Practices in Mobile Microinsurance“. C Téllez. 2012. … .eu-west-1.elb.amazonaws.com London: Groupe Sociale Mobile …. 7 cites.
  136. Mobile money in the developing world: The impact of M-Pesa on development, freedom, and domination“. K Donovan. 2011. blurringborders.com Washington, DC: Georgetown University. 7 cites.
  137. Saving on the Mobile: Developing Innovative Financial Services to Suit Poor Users“. O Morawczynski, S Krepp. 2011. reports.weforum.org The Mobile Financial Services …. 7 cites.
  138. Card and mobile payment opportunities: A framework to consider potential winners and losers and a snapshot of the future payments landscape in Africa“. G Holmes. 2011. ingentaconnect.com Journal of Payments Strategy & Systems. 7 cites.
  139. Can the success of M-PESA be repeated? A review of the implementations in Kenya and Tanzania. Valuable Bits“. G Camner, E Sjöblom. 2009. Np . 7 cites.
  140. Impact of mobile banking on traditional banking practices in Zimbabwe“. S Mavhiki, T Nyamwanza, L Shumba. 2015. ir.msu.ac.zw . 6 cites.
  141. A Market-Building Approach to Financial Inclusion“. A Costa, T Ehrbeck. 2015. MIT Press innovations. 6 cites.
  142. The apparent M-Pesa monopoly may be set to crumble“. E Heinrich. 2014. Fortune, June. 6 cites.
  143. Mobile-Money Benefits and Usage: The Case of M-PESA“. A Mugambi, C Njunge, SC Yang. 2014. ieeexplore.ieee.org IT Professional. 6 cites.
  144. Could bitcoin be a financial solution for developing economies“. AG Clegg. 2014. cs.bham.ac.uk University of Birmingham. 6 cites.
  145. Introduction to Mobile Money in Developing Countries: Financial Inclusion and Financial Integrity Conference Special Issue“. JK Winn, L De Koker. 2013. papers.ssrn.com . 6 cites.
  146. Determinants of mobile phone usage for e-commerce among micro and small enterprises in the informal sector of Kenya“. KO Litondo, FJ Ntale. 2013. erepository.uonbi.ac.ke … Science and Technology, 3 (6): 16. 6 cites.
  147. Financial inclusion: Issues and challenges“. A Damodaran. 2012. akgec.in AKGEC International Journal of Technology. 6 cites.
  148. The Role of Anti-Money Laundering Law in Mobile Money Systems in Developing Countries“. ES Kobor. 2012. HeinOnline Wash. JL Tech. & Arts. 6 cites.
  149. Mobile money as an information utility that touches everyone: Refining the vision for financial inclusion“. I Mas, N Sullivan. 2012. MIT Press . 6 cites.
  150. A prototype mobile money implementation in Nigeria“. CK Ayo, WI Ukpere, A Oni, U Omote…. 2012. search.proquest.com African Journal of …. 6 cites.
  151. Awareness of Mobile Phone-Based Money Transfer Services in Agriculture by Smallholder Farmers in Kenya“. OK Kirui, JJ Okello, RA Nyikal. 2012. igi-global.com … of ICT Research and Development in …. 6 cites.
  152. Le téléphone mobile at-il créé une révolution en Afrique?“. G Raballand. 2012. cairn.info Études. 6 cites.
  153. Smart Water Systems“. SS Hotel. 2011. r4d.dfid.gov.uk . 6 cites.
  154. Operations strategies used in mobile banking: the case of M-Pesa service by Safaricom limited“. SA Abdullahi. 2010. University of Nairobi, Kenya . 6 cites.
  155. The economics of M-PESA“. J William, T Suri. 2010. Georgetown University. 6 cites.
  156. Poor People Using Mobile Financial Services: Observations on Customer Usage and Impact from M-PESA. C-Gap Brief“. O Morawczynski, M Pickens. 2009. . 6 cites.
  157. Beyond e-waste: Kenyan creativity and alternative narratives in the dialectic of end-of-life“. U Vallauri. 2009. scidok.sulb.uni-saarland.de International Review of Information Ethics. 6 cites.
  158. Regulating transformational branchless banking: Dispatches from the policy frontlines“. K Prochaska, L Brix. 2008. developmentbookshelf.com Enterprise Development and …. 6 cites.
  159. A brief introduction to M-PESA“. S Lonie. 2007. World Bank roundtable on Making Finance Work for …. 6 cites.
  160. Innovations in mobile banking: The case of M-PESA“. O Morawczynski. 2007. First National Consultative Forum on Microfinance. 6 cites.
  161. The Role of M-Pesa in Kenya’s Economic and Political Development“. F Jacob. 2016. Springer Kenya After 50. 5 cites.
  162. Adoption of digital wallet by consumers“. HS Rathore. 2016. search.proquest.com BVIMSR’s Journal of Management Research. 5 cites.
  163. Consumers’ perceptions of mobile banking continuous usage in Finland and South Africa“. AA Shaikh, H Karjaluoto…. 2015. inderscienceonline.com International Journal of …. 5 cites.
  164. Basel Accords on Risk Management: A Survey of Kenya s Commercial Banks“. OG Omondi. 2015. OMICS International Journal of Global Economics. 5 cites.
  165. The innovation process in emerging economies: An effectuation perspective“. D Lingelbach, V Sriram, T Mersha…. 2015. journals.sagepub.com … International Journal of …. 5 cites.
  166. Mobile money“. KP Donovan. 2015. Wiley Online Library The International Encyclopedia of Digital …. 5 cites.
  167. Transforming banking through telecom-an approach“. VR Kumar, M Sethi…. 2015. search.proquest.com Indian Journal of Science …. 5 cites.
  168. No Kenyan left behind: The case of financial inclusion through mobile banking“. T Mutsune. 2014. researchgate.net Global Conference on Business & Finance …. 5 cites.
  169. Mobile internet technologies and the possibilities for public archaeology in Africa: Marakwet, Kenya“. MIJ Davies, A Dupeyron, HL Moore. 2014. academia.edu Antiquity Project Gallery. 5 cites.
  170. Factors influencing the uptake of mobile banking in developing countries: a case study of M-pesa in South Africa“. A Budree, KH Williams. 2013. wbiworldconpro.com Proceedings of 22nd International …. 5 cites.
  171. Integrated marketing communication and technology adoption: a case of Safaricom’s M-PESA mobile money transfer services in Kenya“. M Mulwa, N Ndati. 2013. journals.co.za … Journal of Science, Technology, Innovation and …. 5 cites.
  172. Le Sud, futur laboratoire d’innovation du monde“. JM Huet, D de Pompignan, M Noé, AS Oster. 2013. cairn.info L’Expansion Management …. 5 cites.
  173. From e-Governance to m-Governance—The Way Forward“. R Pandey, KSV Sekhar. 2013. academia.edu E-Governance Techno-Behavioural …. 5 cites.
  174. Mobile banking and sustainable growth“. A Srivastava. 2013. search.proquest.com American Journal of Economics and Business …. 5 cites.
  175. M-PESA extends its reach“. W Jack, T Suri. 2012. Mobile Money for the Unbanked Blog Post. 5 cites.
  176. Let a thousand currencies bloom“. DGW Birch. 2012. ieeexplore.ieee.org IEEE Spectrum. 5 cites.
  177. The Economics of M-PESA: Round 4 Update“. W Jack, T Suri. 2011. 2011b. available at: http://www. mit. edu/~ tavneet …. 5 cites.
  178. Making mobile phones work for women with fistula: The M-PESA experience in Kenya and Tanzania.“. M Bangser. 2011. popline.org . 5 cites.
  179. The development, use and cultural context of M-PESA in Costal Kenya“. MS Berman. 2011. digitalcollections.sit.edu . 5 cites.
  180. The Economics of M-PESA“. T Suri, W Jack. 2011. … , available at http://www. mit. edu/~ tavneet/M-PESA …. 5 cites.
  181. Secure Payments Using Mobile Device“. A Maritz. 2011. shenzi.cs.uct.ac.za Proyect” iSpaza”, University of Cape Town (South …. 5 cites.
  182. M-PESA meets microsavings with Equity Bank deal in Kenya“. J Rosenberg. 2010. … org/2009/02/17/the-diary-of-an-m-pesa-user-thecase-of …. 5 cites.
  183. M-Pesa: Transforming Millions of Lives–I“. M Agrawal. 2010. Telecom Circle. 5 cites.
  184. Cash Replacement through Mobile Money in Emerging Markets: The FISA Approach“. A Jimenez, P Vanguri. 2010. pdfs.semanticscholar.org IBM Global Business Services …. 5 cites.
  185. The performance and impact of M-PESA“. C Pulver, W Jack, T Suri. 2009. FSD Kenya. 5 cites.
  186. M-PESA vs. G-Cash: Accounting for their Relative Success, and Key Lessons for other Countries“. I Mas. 2008. Unpublished paper, CGAP, Washington, DC. 5 cites.
  187. Efectividad metacognitiva de la heurística V de Gowin en trabajos de laboratorio centrados en la resolución de situaciones problemáticas“. MM Andrés, JAM Villagrá…. 2007. Escuela Universitaria La Salle Indivisa: Boletín de …. 5 cites.
  188. Kenya: trend-setting M-Pesa goes international“. M Aron. 2007. Business Daily. Nairobi. 5 cites.
  189. Things You Thought You Knew about M-PESA“. C Alexandre. 0. … /blog/10-things-youthought-you-knew-about-m-pesa), 10. 5 cites.
  190. The proliferation of digital credit deployments“. BH Hwang, C Tellez. 2016. openknowledge.worldbank.org . 4 cites.
  191. No Kenyan Left Behind: The Model of Financial Inclusion Through Mobile Banking“. T Mutsune. 2015. papers.ssrn.com . 4 cites.
  192. Vodacom re-launches M-Pesa (again)“. A Goldstuck. 2014. Mail & Guardian. 4 cites.
  193. M-Shwari in Kenya: How is it Really Being used“. M Kaffenberger. 2014. Retrieved May. 4 cites.
  194. M-PESA: How Kenya Took the Lead in Mobile Money“. J Kamana. 2014. Mobile Transaction. 4 cites.
  195. 산업 간 융합 관점에서 본 핀테크의 시사점“. 박대현. 2014. kisa.or.kr KISA Internet & Security Focus. 4 cites.
  196. ICTs for leisure in development: a case for motivation, exploration, and play in the global South“. P Arora, N Rangaswamy. 2014. go.galegroup.com Information Technologies & …. 4 cites.
  197. Taking Privacy and Data Protection Seriously in M4D Initiatives“. A Crowe. 2014. diva-portal.org Proceedings of 4th International Conference on M4D …. 4 cites.
  198. Factors contributing to low M-kesho adoption among subscribers“. R Gakure, E Anene, IK Arimi, J Mutulu…. 2013. ijsse.org International Journal of …. 4 cites.
  199. M-Pesa and GCash: can ‘lean regulation’be a gamechanger for financial innovation“. C Bishko, P Chan. 2013. Forbes. com, October. 4 cites.
  200. Evolution des Zahlungsverkehrs durch Mobilepayment–am Beispiel von M-Pesa“. KO Knops, K Wahlers. 2013. Zeitschrift für Bank-und Kapitalmarktrecht. 4 cites.
  201. Why M-Pesa outperforms other developing country mobile money schemes“. R Heeks. 2013. ICTs for Development. 4 cites.
  202. Modelling adoption of mobile money by the poor in Kenya“. TK Omwansa. 2013. . 4 cites.
  203. Kenya’s ICT Sector, Mobile Money and the Transformation to a Middle-Income Country“. A Peake. 2013. glocom.ac.jp . 4 cites.
  204. Regulatory frameworks and Implementation patterns for Mobile Money in Africa: The case of Kenya, Ghana and Nigeria“. I Williams. 2013. researchgate.net Aalborg University Conference Paper. 4 cites.
  205. Is M-PESA Replacing Cash in Kenya?“. D Collins, J Zollmann, P Fleming. 2012. … . cgap. org/blog/m-pesa-replacing-cash-kenya …. 4 cites.
  206. Vodafone brings M-PESA to India with HDFC“. S Bhattacharjee, Y Bhargava. 2012. The . 4 cites.
  207. Can M-Pesa template travel?“. T Nevin. 2012. African Banker. 4 cites.
  208. The power and reach of M-Pesa“. N Mwiti. 2012. Afritorial . 4 cites.
  209. Kenya’s Mobile Money Revolution: M-Pesa turns Five“. L Mutuku. 2012. Last Modified January. 4 cites.
  210. M-PESA: Why Kenya?“. JB Bosire. 2012. summit.sfu.ca . 4 cites.
  211. The Jipange KuSave Experiment in Kenya“. S Rotman, D Ferrand, S Rasmussen. 2012. 52.21.52.208 . 4 cites.
  212. Building a Network of Mobile Money Agents“. N Davidson, P Leishman. 2012. gsma.com . 4 cites.
  213. Managing the Risk of Fraud in Mobile Money“. L Gilman, M Joyce. 2012. pdfs.semanticscholar.org GSMA: Mobile Money for Unbanked …. 4 cites.
  214. Transformational banking from transformational relationships: Case study of a bank and mobile network operator partnership“. S Lonie, I Wagener. 2012. ingentaconnect.com Journal of Payments Strategy & Systems. 4 cites.
  215. Bridging the Cash: The Retail End of M-PESA“. F Eijkman, J Kendall, I Mas. 2011. Savings & Development. 4 cites.
  216. Will There Be Another M-Pesa“. E Galpin. 2011. Searching Finance, Cambridge. 4 cites.
  217. Water Delivery through Payment Platform–M-PESA Pushes the Rural Frontier“. S Haas, G Nagarajan. 2011. wvirw.gsmworld.com Financial Services Assessment. 4 cites.
  218. Mobile Money: Afghanistan“. J Chipchase, P Lee. 2011. MIT Press innovations. 4 cites.
  219. Mobile entrepreneurship in Africa“. M Froumentin, S Boyera. 2011. ieeexplore.ieee.org IT Professional. 4 cites.
  220. M-PESA: From Kenya to South Africa“. H Bester. 2010. sl: FinMark Forum. 4 cites.
  221. Exploring the Usage and Impact of “Transformational” Mobile Financial Services: The Case of M-PESA in Kenya“. O Parker. 2010. Journal of Eastern African Studies. 4 cites.
  222. Mobile payments regulatory framework perspectives in Kenya“. G Nyaoma. 2010. Director, Banking Services, Central Bank of Kenya. 4 cites.
  223. Regulatory framework for mobile financial services“. RH Weber. 2010. National Forum on Mobile Applications for Inclusive …. 4 cites.
  224. Innovative payment solutions in agricultural value chain as a means for greater financial inclusion“. T Pandey, N Krishna, V Vickers…. 2010. pdfs.semanticscholar.org Agricultural …. 4 cites.
  225. Managing a Mobile Money Agent Network“. N Davidson, P Leishman. 2010. www.oneapi-gw.gsma.com . 4 cites.
  226. Regulator gives M-PESA a clean bill of health“. J Okoth. 2009. The Standard. 4 cites.
  227. What makes a successful mobile money implementation? M-PESA in Kenya and Tanzania“. G Camnar, C Pulver, E Sjoblom. 2009. Nairobi, Financial Sector Deepening.< http://www …. 4 cites.
  228. Examining trust in mobile banking transactions in Kenya: The case of M-PESA“. O Morawczynski, G Miscione. 2008. IFIP WG. 4 cites.
  229. Big Banks in Plot to Kill M-Pesa“. J Mbuga. 2008. The Nairobi Star. 4 cites.
  230. The Performance and Impact of M-PESA: Preliminary Evidence from a Household Survey“. T Suri, W Jack. 2008. Unpublished paper. 4 cites.
  231. The impact of mobile phone technologies on medium and small enterprises/jua kali (MSEs)–In“. BF Chogi. 2007. Proceedings of CPRsouth2 Chennai. 4 cites.
  232. Myths About M-PESA: 2014 Update“. C McKay, R Mazer. 0. … /blog/10-myths-about-m-pesa-2014-update, accessed …, 10. 4 cites.
  233. en T. Suri, 2011, Mobile money: the economics of M-Pesa“. W Jack. 0. NBER Working Paper. 4 cites.
  234. et Weil DN [2014],«Mobile Banking: The Impact of M-Pesa in Kenya»“. I Mbiti. 0. NBER Working Paper. 4 cites.
  235. N.,(2011),“Mobile Banking: The Impact of M-PESA in Kenya”“. I Mbiti, D Weil. 0. National Bureau of Economic …. 4 cites.
  236. Predicting user continuance intention towards M-pesa in Kenya“. O Osah, O Osah, M Kyobe…. 2017. emeraldinsight.com African Journal of …. 3 cites.
  237. Mobile money in Sub-saharan Africa and its implications“. JM Jang, H Park. 2016. papers.ssrn.com . 3 cites.
  238. Mental Accounting and Mobile Banking: Can labeling an M-PESA account increase savings?“. F Dizon, E Gong, K Jones. 2015. pdfs.semanticscholar.org . 3 cites.
  239. Mobile money and financial development: The case of M-PESA in Kenya“. S Burns. 2015. papers.ssrn.com . 3 cites.
  240. M-Pesa customers get access to seven African countries“. O Mark. 2015. The East African. 3 cites.
  241. M-Pesa and the rise of the global mobile money market. Forbes“. D Rounde. 2015. . 3 cites.
  242. Top 10 Things to Know About M-Shwari“. T Cook, C McKay. 2015. Washington: Consultative Group to Assist the Poor …. 3 cites.
  243. Kenya financial diaries“. J Zollmann. 2015. e-mfp.eu Report. Kenya: FSD Kenya. 3 cites.
  244. The Bitcoin mirage: an oasis of financial remittance“. D Folkinshteyn, MM Lennon, T Reilly. 2015. papers.ssrn.com . 3 cites.
  245. M-PESA at the point of sale: Expanding financial inclusion and reducing demand for physical cash“. H Banka. 2014. ingentaconnect.com Journal of Payments Strategy & Systems. 3 cites.
  246. … in Kenya: M-Shwari—Findings from the Nationally Representative FII Tracker Survey in Kenya (Wave 1) and a Follow-up Telephone Survey with M-Shwari …“. A Mirzoyants-McKnight, W Attfield. 2014. Washington, DC: InterMedia. 3 cites.
  247. Bill & Melinda Gates Foundation. Mobile payments go viral: M-PESA in Kenya. 2010“. I Mas, D Radcliffe. 2014. . 3 cites.
  248. M-Shwari Lifts CBA Above Equity in Loan Accounts“. G Ngigi. 2014. Business Daily Africa. 3 cites.
  249. Some Empirical Evidence on the Stability of Money Demand in Kenya“. MC Kiptui. 2014. search.proquest.com International Journal of Economics and Financial …. 3 cites.
  250. Factor analysis of customers perception of mobile banking services in Kenya“. M Kweyu, P Ngare. 2014. search.proquest.com Journal of Emerging Trends in Economics …. 3 cites.
  251. The three billion new middle-class opportunity: The successes and technical challenges of mobile financial services in emerging markets“. L Schulze. 2014. ingentaconnect.com Journal of Payments Strategy & Systems. 3 cites.
  252. The effects of mobile money services on the performance of the Banking Institutions: A Case of Kakamega Town“. JM Muisyo, O Alala, D Musiega. 2014. theijes.com transactions. 3 cites.
  253. The responsibility of mobile money intellectuals?“. KP Donovan. 2013. dev.itidjournal.org Information Technologies & International …. 3 cites.
  254. Effects of Sales Revenue by Use of Mobile Phone Money Transfer on the Profitability of the Micro and Small Enterprises in Bungoma County“. KN Otiso, CN Simiyu…. 2013. search.proquest.com International Review of …. 3 cites.
  255. 肯尼亚 M—PESA 手机银行介绍及启示“. 尹洋, 廖渊, 刘伟煜. 2012. cqvip.com 金融电子化. 3 cites.
  256. Out of Africa: M-Pesa top banks“. J Madger. 2012. The Gazette. 3 cites.
  257. Safaricom tightens security on m-pesa with fraud management system“. E Okutyi. 2012. . 3 cites.
  258. M-PESA: A CASE STUDY OF THE CRITICAL EARLY ADOPTERS’ROLE IN THE“. BN Pelowski. 2012. Retrieved March 6th . 3 cites.
  259. mobile banking revolution and its impact in financial deepening in Kenya: A case study of Safaricom M-Pesa“. R Mutisya. 2012. Unpublished MBA Project). University of Nairobi. 3 cites.
  260. Android marches on east Africa“. D Talbot. 2012. Technology Review. 3 cites.
  261. ICT Infrastructure, Mobile Money Systems and Customer Satisfaction in Uganda“. R Kyeyune, G Kituyi, E Miiro. 2012. academia.edu International Scientific Research …. 3 cites.
  262. MOBILE MONEY FOR UNBANKED IN INDIA.“. A Niyogi, S Niyogi. 2012. search.ebscohost.com International Journal of Finance & Policy …. 3 cites.
  263. Poverty and profits in the information age“. I Ray, R Kuriyan. 2012. go.galegroup.com Information Technologies & International …. 3 cites.
  264. Market trial: Selling off-grid lighting products in rural Kenya“. J Tracy. 2012. escholarship.org . 3 cites.
  265. M-Kesho“. E Bank. 2011. . 3 cites.
  266. Analysis of financial institutions riding the M-PESA rails“. M Sadana, G Mugweru, J Murithi, D Cracknell…. 2011. Nairobi: Micro Save. 3 cites.
  267. Kenya: Poverty eradication goes hi-tech with m-pesa“. N Mbarathi. 2011. The Africa Report. 3 cites.
  268. M-Pesa transactions surpass Western Union moves across the globe“. D Nation. 2011. October. 3 cites.
  269. Mobile Money in Developing World: The Impact of M-Pesa on Development, Freedom and Domination (Prepublication Version) Edmund A“. K Donovan. 2011. Wash School of Foreign Studies Georgetown …. 3 cites.
  270. Mobile Banking: The Impact of M-PESA in Kenya“. M Isaac, W David. 2011. NBER Working Paper Series. 3 cites.
  271. Mobile Payments Go Viral: M-PESA in Kenya“. P Chuhan-Pole, M Angwafo. 2011. Yes, Africa Can: Success Stories from a Dynamic …. 3 cites.
  272. On turbocharged, heat-seeking, robotic fishing poles“. K Toyama. 2011. dl.acm.org Communications of the ACM. 3 cites.
  273. Four Important Trends Shaping the Future of Credit Cards“. P Christiansen. 2011. firstdata.com.au Atlanta: First Data. 3 cites.
  274. Mobiltelefone, elektronische Auszahlungssysteme und soziale Geldtransfers: jüngste Daten und Erfahrungen aus Afrika“. K Vincent, T Cull. 2011. Wiley Online Library Internationale Revue für Soziale Sicherheit. 3 cites.
  275. Kenya’s M-Pesa now has 9 million customers“. Z Ochieng. 2010. CIO East Africa Magazine. 3 cites.
  276. The Central Bank of Kenya’s Treatment of M-Pesa“. AFIEMM Transfer. 2010. Bangkok, Thailand: Alliance for Financial Inclusion. 3 cites.
  277. True Money and M-PESA: Two unique paths to scale“. P Leishman. 2010. Retrieved April. 3 cites.
  278. The new Silicon Valley of financial innovation“. J Mwangi. 2010. Retrieved May. 3 cites.
  279. A Financial Analysis of Mobile Money Services“. P Lyons. 2010. papers.ssrn.com . 3 cites.
  280. Time for bold moves in transaction banking“. A Bernad. 2010. ingentaconnect.com Journal of Payments Strategy & Systems. 3 cites.
  281. Mobile money 101“. M Pickens. 2010. Washington, DC: CGAP. 3 cites.
  282. Family Bank offers new service linking accounts to M-PESA“. V Juma. 2009. Business Daily. 3 cites.
  283. Regulating mobile money: the case of M-PESA“. G Nyaoma. 2009. presentation by the Director of Banking Services …. 3 cites.
  284. Factors Affecting Uptake of Mobile Money Services: M-Pesa in Kenya and Tanzania“. A Heyer, I MAS. 2009. Bill and MiIinda Gates Foundation, unpublished. 3 cites.
  285. 18, 2009.“Minister orders audit of Safaricom M-Pesa service”“. A Business Daily. 2009. . 3 cites.
  286. M-pesa success stirs bank fury as 5 million subscribers enroll“. B Daily. 2009. Business Daily. 3 cites.
  287. The performance and impact of M-Pesa: Preliminary evidence from a household survey“. W Jack, T Suri. 2009. PowerPoint for FSD Kenya. 3 cites.
  288. Safaricom changes method of recruiting M-pesa agents“. M Okuttah. 2009. Business Daily. 3 cites.
  289. Poor People Using Mobile Financial Services: Observations on Customer Usage and Impact from M-PESA” CGAP Brief Online http://www. cgap. org/gm …“. O Morawczynski, M Pickens. 2009. BR_Poor_People_Using_Mobile_Financial_Services …. 3 cites.
  290. Regulating Mobile Money: The Case of M-Pesa in Kenya“. G Nyaoma. 2009. A paper presented at Global Policy Forum, Nairobi. 3 cites.
  291. Can M-PESA work for microfinance clients“. M PICKENS. 2008. Technology CGap, Wednesday, May. 3 cites.
  292. Mobile Access & Use in East Africa“. C Stork. 2008. researchgate.net Presentation at the Workshop on mobile applications …. 3 cites.
  293. M-PESA“. N Hughes, S Lonie. 2007. Mobile Money for the Unbanked. 3 cites.
  294. Mobile Financial Services for the 3rd World, Kenya Pilot“. S Lonie. 2006. IN Vodafone (Ed. CHYP Digital Money Forum. London …. 3 cites.
  295. M-Pesa–A success story of digital financial inclusion“. N Ndung’u. 2017. BSG Working Papers). University of … . 2 cites.
  296. Why M-Pesa failed in South Africa“. L Mbele. 2016. BBC Africa Business Report Johannesburg. Available …. 2 cites.
  297. An Experimental Evaluation of Vulnerability of Branchless Banking Application in Android Environment“. H Gupta, SI Hassan. 2016. ermt.net . 2 cites.
  298. Agricultural service delivery through mobile phones: local innovation and technological opportunities in Kenya“. H Baumüller. 2016. Springer Technological and Institutional Innovations for …. 2 cites.
  299. 包容性创新的商业模式: 肯尼亚 M-PESA 的案例研究“. 陈元志. 2015. zgkjlt.org.cn 中国科技论坛. 2 cites.
  300. WHAT LEADS TO A MOBILE BANKING PROGRAM’S SUCCESS?: A COMPARISON OF M-PESA AND EKO INDIA FINANCIAL SERVICES.“. L Dunn. 2015. jpia.princeton.edu Journal of Public & International Affairs. 2 cites.
  301. Africa’s mobile money makes its way to Europe with M-Pesa“. P Shadbolt. 2015. Cable News Network (CNN) January. 2 cites.
  302. Mobile Payments Go Viral: M-PESA in Kenya. Accessed“. I Mas, D Radcliffe. 2015. . 2 cites.
  303. M-Pesa’sa bigger flop in SA than Vodacom’s letting on. Moneyweb“. H Tarrant. 2015. Moneyweb . 2 cites.
  304. Vodacom’s M-Pesa relaunch is a flop“. D McLeod. 2015. Tech Central. 2 cites.
  305. Why South Africa’s largest mobile network, Vodacom, failed to grow M= Pesa“. S Tshabalala. 2015. Quartz Africa. 2 cites.
  306. Digital Credit: Consumer Protection for M-Shwari and M-Pawa Users“. R Mazer, A Fiorillo. 2015. CGAP Blog, April. 2 cites.
  307. From Giant Robots to Mobile Money Platforms: The Rise of ICT Services in Developing Countries“. K Bhattacharya. 2015. ieeexplore.ieee.org IEEE Internet Computing. 2 cites.
  308. Mobile Money’s Impact on Tanzanian Agriculture.“. B Seetharam, D Johnson. 2015. search.ebscohost.com IEEE Software. 2 cites.
  309. On the edge of disruption“. DKC LEE. 2015. ink.library.smu.edu.sg . 2 cites.
  310. Securing Mobile Money Services in Tanzania: A Case of Vodacom M-Pesa“. AB Mtaho, L Mselle. 2014. ijcsns.com International journal of Computer Science & …. 2 cites.
  311. M-PESA: The Best of Both Worlds“. M Hinz. 2014. bbvaresearch.com . 2 cites.
  312. Safaricom boosts M-Pesa with CBA banking services through M-Shwari. 2012“. D Mbuvi. 2014. Available on http://www. cio. co. ke, Accessed on 20th …. 2 cites.
  313. M-Pesa: Vodacom’s money spinner in Tanzania“. R Van der Bergh. 2014. Tech Central. 2 cites.
  314. Skrill Launches On-line Revenue Transfer Precisely to Safaricom’s M-Pesa“. S Wakoba. 2014. TechMoran final modified March. 2 cites.
  315. Mobile Money: Banks get ready to take on M-pesa“. G Nganga. 2014. Retrieved January. 2 cites.
  316. M-Pesa Terms and conditions“. V Tanzania. 2014. Last accessed. 2 cites.
  317. M-PESA: How Kenya took the lead in mobile money“. L Harris, J Kamana. 2014. Mobile Transaction. 2 cites.
  318. CAK orders Safaricom to open up M-Pesa“. L Ochieng. 2014. Daily Nation. 2 cites.
  319. The Pleasures and Perils of New Money in Old Pockets; M-PESA and Bitcoin in Kenya“. D Sirila. 2014. papers.ssrn.com . 2 cites.
  320. Part two: Mobile money in Kenya and Zimbabwe“. L Nleya, G Robb. 2014. competition.org.za The CCRED Quarterly Review. 2 cites.
  321. Mobile money: taking on the big banks“. A Paelo. 2014. competition.org.za CCRED Quarterly Competition Review. 2 cites.
  322. Mobile money system design for illiterate users in rural Ethiopia“. MF Woldmariam, G Ghinea, S Atnafu…. 2014. Springer … Conference of Design …. 2 cites.
  323. Socio-economic Effects of Mpesa Adoption on the Livelihoods of People in Bureti Sub County, Kenya“. RM Gikunda, GO Abura…. 2014. search.proquest.com International Journal of …. 2 cites.
  324. Savings outpace loans as M-Shwari deals cross Sh3bn“. M Mumo. 2013. … on mobile banking service, M-Shwari, crossed the Sh3 …. 2 cites.
  325. Bishop Condemns M-Pesa Pastors“. N Gicheha. 2013. The Star. 2 cites.
  326. Tiered Risk-Based KYC: M-Shwari Successful Customer Due Diligence“. S Di Castri. 2013. GSMA (Groupe Speciale Mobile Association), London. 2 cites.
  327. Kenya’s M-PESA Overhauls African Mobile Money Transfers“. MF Ongoto. 2013. IDG Connect. 2 cites.
  328. On the new frontier of mobile and money in the developing world: mobile phones, M-PESA, and Kenya“. K Allen. 2013. journals.ed.ac.uk Hydra. 2 cites.
  329. Mapping Kibera: Empowering slum residents by ICT’“. P Kovačič, J Lundine. 2013. books.google.com … and communication technology in areas of …. 2 cites.
  330. The effect of electronic banking on the financial performance of commercial banks in Kenya“. HO Ogare, REG NO. 2013. erepository.uonbi.ac.ke Unpublished MBA project. Nairobi …. 2 cites.
  331. Comparing MFS in Kenya, Philippines and South Africa under 7 P Evaluation Framework“. S Chopra, R Sharma, AM Sherry. 2013. search.proquest.com International Journal of …. 2 cites.
  332. Mobile Money Service as an Opportunity for the Growth of Commercial Banks in Tanzania: Learning from Mobile Money Service in Iringa Municipality in …“. EJ Mwaikali. 2013. academia.edu Information and Knowledge Management. 2 cites.
  333. Financial development and economic growth in Kenya: Evidence from an expanded neoclassical growth approach“. JM Kagochi. 2013. Asian-African Journal of Economics and Econometrics. 2 cites.
  334. Liquidity and Savings in the Age of M-PESA (Innovations Case Narrative: Jipange KuSave)“. N Hughes, G Ivatury, J Petrides, S Rutherford. 2012. MIT Press . 2 cites.
  335. The Impact of Mobile Payments on the Success and Growth of Micro-Business: The Case of M-pesa“. M Mbogo. 2012. Retrieved March . 2 cites.
  336. Examining the adoption and Usage of m-banking: The Case of M-PESA in Kenya“. O Morawczynski. 2012. PhD project University of Edinburg. 2 cites.
  337. M-Pesa transactions surpass Western Union moves across the globe“. N Reporter. 2012. Daily Nation. 2 cites.
  338. M-Pesa Drives Safaricom as Profit Declines to Sh12. 8bn“. O Mark. 2012. Business Daily. 2 cites.
  339. og Radcliffe, D.(2010). Mobile Payments go Viral: M-PESA in Kenya“. I Mas. 2012. URL: http://siteresources. worldbank. org/AFRICAEXT …. 2 cites.
  340. M-Pesa: the power of mobile technology in livestock marketing“. E Reinke, S Speradini. 2012. IFAD Social Reporting Blog. 2 cites.
  341. M-Shwari platform set to shake up small loans market“. V Juma. 2012. Business Daily. 2 cites.
  342. New frontiers: Launching digital financial services in rural areas“. C Peake. 2012. brookings.edu Old Problems, New Solutions. 2 cites.
  343. Virtual Banking Adoption And Customers’ Satisfaction In Zimbabwe“. N Kaseke, A Charira. 2012. icidr.org … Journal of Economic Development Research and …. 2 cites.
  344. The diffusion of mobile phones for Business and Information Management in Kenya“. W Gikenye. 2012. journals.co.za Journal of Gender, Information and Development in …. 2 cites.
  345. A Study of Customers’ Perception of M-Pesa Services Provided by Small and Medium Businesses in Kitengela and Athi River Townships in Kenya“. JM Munyoki, EM Mutua. 2011. Business Administration and Management. 2 cites.
  346. M-PESA–Kenya’s fast growing mobile payment system. MITSloan School of Management Cambridge, Press Release“. T Suri. 2011. . 2 cites.
  347. Cash In, Cash Out Kenya: The Role of M-PESA in the Lives of Low-Income People“. M Cohen, G Stuart. 2011. Financial Services Assessment. Iris, Microfinance …. 2 cites.
  348. Mobile Banking: The Impact of M-Pesa in Kenya“. IM Weil. 2011. Nber Working Paper Series. 2 cites.
  349. Mobile Banking: The Impact of M-PESA in Kenya, National Bureau of Economic Research Working Paper 17129“. I Mbiti, DN Weil. 2011. . 2 cites.
  350. Mobile Money: The Economics of M-Pesa. 2011“. W Jack, S Tavneet. 2011. NBER Working Paper. 2 cites.
  351. Going to School with M-PESA“. S Haas, G Nagarajan. 2011. Retrieved December. 2 cites.
  352. The Development, Use and Cultural Context of M-PESA in Costal Kenya”(2011) Independent Study Project (ISP) Collection. Paper 1197“. MS Berman. 2011. . 2 cites.
  353. Who’ll Tame Preachers Seeking M-Pesa Cash“. D Nation. 2011. Daily Nation. 2 cites.
  354. Exclusive Interview: The Woman behind M-PESA“. J Maritz. 2011. How We Made it in Africa. 2 cites.
  355. Mobile money“. W Jack, T Suri. 2011. voxeu.org The Economics of M-pesa. 2 cites.
  356. Crossfire: Formal vs. informal sector savings“. E Rhyne, P Rippey. 2011. developmentbookshelf.com Enterprise Development and …. 2 cites.
  357. Mobile Payments: The Challenge of protecting consumers and innovation“. E Eraker, C Hector, CJ Hoofnagle. 2011. papers.ssrn.com . 2 cites.
  358. M-KESHO in Kenya: A new step for M-PESA and mobile banking“. Financial Access Initiative. 2010. … . org/blog/2010/05/m-kesho-kenya-new-step-m …. 2 cites.
  359. Preliminary insights to the role of the private sector in developing mobile services for low-income segment: Case M-Pesa and Ovi Life Tools“. T LYYTINEN. 2010. diva-portal.org M4D 2010. 2 cites.
  360. M-Kesho in Kenya: A new step for M-Pesa and mobile banking. HTTP“. Financial Access Initiative. 2010. FINANCIALACCESS. ORG/ NODE/2968. 2 cites.
  361. Bridges to Cash: The Retail End of M-Pesa“. F Eijman, J Kendal, I Mas. 2010. Saving & Development. 2 cites.
  362. What Makes a Successful Mobile Money Implementation? M-Pesa in Kenya and Tanzania“. FSD Kenya. 2010. Nairobi: FSD Kenya . 2 cites.
  363. M-Pesa: Transforming Millions of Lives–I, Telecom Circle, 19 January 2010“. M Agrawal. 2010. Agrawal, M.(2010), The Socio-Economic Benefits of …. 2 cites.
  364. b,“Mobile Payments Go Viral: The Story of M-PESA”“. I Mas, D Radcliffe. 2010. Yes Africa Can: Success Stories from a Dynamic …. 2 cites.
  365. Mobile Banking: The Impact of M-Pesa in Kenya, mimeograph“. I Mbiti, DN Weil. 2010. . 2 cites.
  366. Mobile Payments Go Viral: M-Pesa in Kenya. The Carpco Institute’s Journal of Financial Transformation, 32, 169-181“. I Mas, D Radcliffe. 2010. . 2 cites.
  367. The Economics of M-PESA: An Update“. T Suri, W Jack. 2010. October . 2 cites.
  368. The Economics of M-PESA: An Update http://www. mit. edu/~ tavneet“. T Suri, W Jack. 2010. M-PESA_Update. pdf. 2 cites.
  369. M-PESA: 移动货币的成功之道“. 廖铮. 2010. cqvip.com 通讯世界. 2 cites.
  370. M-PESA: Mobile Payments, Improved Lives for Kenyans“. R Cull. 2010. Research at Word Bank. 2 cites.
  371. Building Viable agent networks in India“. K Krishnaswamy, C McKay, M Pickens, S Rotman. 2010. CGAP . 2 cites.
  372. Jipange Sasa–A Little Heaven of Local Savings, Hot Technologies, and Formal Finance“. K Wilson. 2010. savings-revolution.com Wilson, K., Harper, M., and Griffith, M.,(eds.). 2 cites.
  373. J and Mas, I (2010)“. FK Eijkman. 2010. … of M-PESA: The challenge of maintaining liquidity for M …. 2 cites.
  374. Agent Economics: M-PESA“. M Pickens, S Rotman, I Mas, O Morawczynski. 2009. CGAP . 2 cites.
  375. What you don’t know about M-PESA“. O Morawczynski. 2009. … E2% 80% 99t-know-about-m-pesa . 2 cites.
  376. The Importance and Impact of M-Pesa: Preliminary Evidence from a Household Survey“. C Pulver. 2009. Kenya: FSD Kenya, June. 2 cites.
  377. Poor people using mobile financial services: Observations on customer usage and impact from M-PESA. Washington, DC: World Bank“. O Morawczynski, M Pickens. 2009. . 2 cites.
  378. Ministry of Finance audit findings on M-PESA money transfer services“. J Kinyua. 2009. Ministry of Finance, Kenya. 2 cites.
  379. Understanding what drives profits for agents–M-PESA“. M Pickens. 2009. Retrieved in March. 2 cites.
  380. M-Pesa goes global in battle for mobile cash transfer pie“. K Kinyanjui. 2009. Retreived on. 2 cites.
  381. M-PESA: Mobile Money for the Unbanked, Innovations“. N Hughes, L Susie. 2009. special edition for the Mobile World Congress. 2 cites.
  382. The adoption and usage of M-PESA in Kenya“. O Morawczynoki. 2009. Unpublished Thesis, University of Edinburg. 2 cites.
  383. Designing Mobile Transfer Services: Lessons from M-PESA Innovations“. I Mas, O Morawczynski. 2009. GSM World Annual Report . 2 cites.
  384. Poor People Using Mobile Financial Services: Observations on Usage and impact of M-PESA.‟‟ Brief. Washington, DC: CGAP, August“. O Morawczynski, P Mark. 2009. . 2 cites.
  385. M-PESA Mobile Banking Statistics“. MS Kimenyi, NS Ndungu. 2009. Central Bank of Kenya (Washington: Brookings Institute …. 2 cites.
  386. The Hype Cycle and Mobile Banking“. S Rasmussen, MM Summit. 2009. GSMA Mobile Money Summit, Barcelona, Spain. 2 cites.
  387. From Operations to Applications: Advancing Innovation in Mobile Services (Innovations Case Discussion: Roshan)“. A Hammond, L Michaels. 2009. MIT Press innovations. 2 cites.
  388. M-Banking in Developing Markets: Regulatory Implications of Two-sided Networks“. J Anderson. 2009. researchgate.net . 2 cites.
  389. Surviving in the ‘Dual System’: How M-PESA is Fostering Urban-to-Rural Remittances in a Kenyan Slum,”: Working paper“. O Morawczynski. 2008. Social Studies Unit, University of Edinburgh. 2 cites.
  390. Providing the Unbanked with Access to Financial Services: The Case of M-PESA in Kenya“. P Vaughan. 2008. Presentation given during the Mobile Banking & …. 2 cites.
  391. Examining the Adoption and Usage of M-banking in Kenya: The Case of M-PESA, presentation delivered at Mobile Bankers & Financial Services Africa …“. O Morawczynski. 2008. Southern Sun Hotel, Johannesburg, South Africa. 2 cites.
  392. Surviving in the «dual system»: How M-PESA is fostering urban-to-rural remittances in a Kenyan Slum: http://www. nextbillion. net/files“. M Olga. 2008. Olga% 20Morawczynski-MPESA-2008. pdf. 2 cites.
  393. Why has M-PESA become so popular in Kenya“. O Morawczynski. 2008. CGAP Technology Blog. 2 cites.
  394. A bank in every African pocket“. M Kimani. 2008. kiwanja.net Africa Renewal. 2 cites.
  395. Early lessons from the deployment of M-PESA, Vodafone’s own mobile transactions service (Vodafone-The Policy Paper Series 6). Retrieved on …“. P Vaughan. 2007. . 2 cites.
  396. Early lessons form the deployment of M-PESA, Vodafones own mobile transactions service. The Transformation Potential of M-Transactions, The Policy …“. P Vaughan. 2007. . 2 cites.
  397. M-PESA: mobile money for the’SUnbanked’“. N Hughes, S Lonie. 2007. Innovations. 2 cites.
  398. M-pesa: Mobile Money for the” Unbanked” Turning Cell Phones into 24 hour tellers in Kenya: Journal of Innovations Technology“. S Lonie. 2007. Governance, Globalization. 2 cites.
  399. Unserved By Banks, Poor Kenyans Now Just Use a Cellphone“. M Clark. 2007. Christian Science Monitor. 2 cites.
  400. Examining trust in mobile banking transactions: The case of M-PESA in Kenya,‖ Social Dimensions of Information and Communication Technology Policy …“. O Morawczynski, G Miscione. 2006. D. Porteous,―The enabling environment for mobile …. 2 cites.
  401. M-Pesa: A Very Simple and Secure Customer Proposition“. S Rotman. 0. … . cgap. org/2008/11/05/m-pesa-a-very-simple-and …. 2 cites.
  402. BE-M PESA DE vos I Gui d’Uissel, be-m pesa de vos“. XVG D’UISSEL. 0. Car vos etz laissatz de chantar. 2 cites.
  403. Things you thought you knew about M-PESA. CGAP Blog“. C Alexander. 0. 10. 2 cites.
  404. TavneetSuri (2011)” Mobile Money: The Economics of M-Pesa“. W Jack. 0. NBER Working Paper. 2 cites.
  405. Bill and Belinda Gates Foundation (2010) Mobile Payments go Viral: M-PESA in Kenya“. M Ignacio, D Radcliffe. 0. . 2 cites.
  406. Mobile banking: The impact of M-Pesa in Kenya. 2011“. I Mbiti, DN Weil. 0. National Bureau of Economic …. 2 cites.
  407. Bill, Melinda Gates Foundation (2010).“Mobile Payments go Viral: M-PESA in Kenya”, access date may 2011“. I Mas, D Radcliffe. 0. . 2 cites.
  408. M. Pesa (1996). Modos espontáneos de razonar: un análisis de su incidencia sobre el aprendizaje del conocimiento científico a nivel universitario básico“. J Salinas, L Cudmani. 0. Enseñanza de las Ciencias. 2 cites.
  409. M. and Ogembo, JG (2010) M-Pesa: A Case Study of the Critical Early Adopters’ Role in the Rapid Adoption of Mobile Money Banking in Kenya“. BP Ngugi, M Pelowski. 0. Electronic Journal of Information Systems in …. 2 cites.
  410. Effect of micro-credit on growth of small business enterprises: A case of M-Shwari at Kibuye Market in Kisumu County, Kenya“. JA Abayo, M Oloko. 2017. . 1 cites.
  411. M-Pesa and Mobile Money in Kenya: Pricing for Success“. S Markovich, S Markovich, C Snyder…. 2017. emeraldinsight.com Kellogg School of …. 1 cites.
  412. Customer pre-adoption choice behavior for M-PESA mobile financial services: Extending the theory of consumption values“. NO Omigie, NO Omigie, H Zo, H Zo…. 2017. emeraldinsight.com … Management & Data …. 1 cites.
  413. Entrepreneurship: Unlocking Africa’s Riches“. J Koshal. 2017. Springer Leading an African Renaissance. 1 cites.
  414. Liquid crystal display device“. T Yonekura, M Kesho. 2016. Google Patents US Patent 9,310,652. 1 cites.
  415. La révolution de la banque mobile en Ethiopie“. M Garreau. 2016. geo-phile.net Alternatives économiques. 1 cites.
  416. The Institutionalisation of Mobile Payment Technologies in Kenya: Retailers’ Pespective.“. C Stepcic, S Kabanda. 2016. aisel.aisnet.org ECIS. 1 cites.
  417. 移动支付能够有效促进农村普惠金融发展吗?——基于肯尼亚 M-PESA 的探讨“. 任碧云, 张彤进. 2015. cqvip.com 农村经济. 1 cites.
  418. M-Pesa and its Perceived Effect on Performance of Manufacturing Firms: A Case Study of Thika Town in Kenya“. LM Kiganane. 2015. scholarpublishing.org Advances in Social Sciences Research …. 1 cites.
  419. Is M-PESA a Model for Financial Inclusion and Women Empowerment in Kenya?“. VN Barasa, C Lugo. 2015. books.google.com Contemporary Global Perspectives on …. 1 cites.
  420. 핀테크: 그 새로운 지평“. 김형중. 2015. 한국정보처리학회 정보처리학회지. 1 cites.
  421. Mobile phone supported water dispensing system for the” un-watered” population“. OE Abade, OG Alex. 2015. ieeexplore.ieee.org AFRICON, 2015. 1 cites.
  422. Developing Ecosystems for Social Entrepreneurship“. CY Fernandes. 2015. iglus.org GIPC. 1 cites.
  423. DETERMINANTS OF SELF SERVICE BANKING TECHNOLOGY IN KENYA“. CKK Sang, LJ Rono. 2015. researchgate.net Global Conference on Business & Finance …. 1 cites.
  424. Financial Inclusion through Mobile Banking: Challenges and Prospects“. HA Asfaw. 2015. academia.edu Research Journal of Finance and Accounting. 1 cites.
  425. Framework of critical success factors for growth of mobile money platforms in emerging markets“. MI Priyo, CDB Scheresberg, J Ali, HU Khan. 2015. academia.edu IJMMR. 1 cites.
  426. Six: Emerging Procurement Laws and Women’s Empowerment: Assessing the Costs and Benefits of the Privatization of the Telecommunications Sector in Kenya“. H Amadi. 2015. search.proquest.com Wagadu: a Journal of Transnational Women’s and …. 1 cites.
  427. The regulation of mobile money in Malawi“. R Buckley, J Greenacre, L Malady. 2015. HeinOnline Wash. U. Global Stud. L. Rev.. 1 cites.
  428. Social protection and modern technologies, the case study of M-PESA“. MRL Maitrot, C Foster. 2014. opus.bath.ac.uk . 1 cites.
  429. Influence of m-pesa cashless payment product on the operations of east African breweries distributors in Nairobi County“. CN THUO. 2014. erepository.uonbi.ac.ke University of Nairobi. 1 cites.
  430. M-PESA helps world’s poorest go to the bank using mobile phones,’“. K Yeoman. 2014. The Christian Science Monitor. 1 cites.
  431. 140,000 Default on Kenya’s M-Shwari Loans“. E Okutoyi. 2014. TWeb Africa. 1 cites.
  432. Lack of awareness by end users on security issues affecting mobile banking: a case study of Kenyan mobile phone end users“. A Luvanda, SKDM Kimwele. 2014. jkuat.ac.ke Journal of Information Engineering and …. 1 cites.
  433. 我国农村包容性金融体系与移动支付: 一个战略框架“. 张彤进. 2014. cff.org.cn 对发展内蒙古农村牧区普惠金融问题的思考. 1 cites.
  434. Implications of Basel Accord on Risk Management: A Survey of Kenya’s Commercial Banks“. OG Omondi. 2014. papers.ssrn.com . 1 cites.
  435. Evaluating the acceptance and usability of Kiswahili localized mobile phone app in Kenya: a case of M-Pesa app“. WA SANDAY. 2014. erepository.uonbi.ac.ke . 1 cites.
  436. Mobile Telecommunications in Africa: Issues for Business, Government & Society“. E Sutherland. 2014. papers.ssrn.com Browser Download This Paper. 1 cites.
  437. 中国手机银行商业模式外部影响因素研究“. 黄金荣. 2014. cdmd.cnki.com.cn . 1 cites.
  438. Simplifying payments in emerging markets“. L Terrenghi, B Davies, E Eismann. 2014. dl.acm.org interactions. 1 cites.
  439. ICTs for Financial Services in Africa“. S Stefanski. 2014. openknowledge.worldbank.org . 1 cites.
  440. Where’s the Cash? The Geography of Cash Points in Tanzania“. I Mas, A Elliott. 2014. papers.ssrn.com . 1 cites.
  441. Leveraging New Technology for Data-Driven Risk Mitigation and Management: Selected Examples and Summaries“. T Khokhar. 2014. openknowledge.worldbank.org … paper for the World Development Report. 1 cites.
  442. The impact of pure mobile micro-financing on the poor: Kenya’s Musoni experience“. T Omwansa, T Waema. 2014. erepository.uonbi.ac.ke Institute for Money, Technology & …. 1 cites.
  443. Is the success of M-Pesa empowering Kenyan rural women?“. OK Ndiaye. 2013. agi.ac.za Feminist Africa 18 e-spaces: e-politics. 1 cites.
  444. Exploring demographic differences in the adoption of mobile money: M-PESA in Kenya“. GC Ariguzo, DS White. 2013. inderscienceonline.com International Journal of Electronic …. 1 cites.
  445. Safaricom calls M-Pesa war truce with rival Airtel“. V Juma. 2013. Business Daily. 1 cites.
  446. A lot of hope and some hiccups with M-SHWARI“. J Gitau, I Mas. 2013. Institute for Money, Technology, & Financial Inclusion. 1 cites.
  447. M-Farm and iCow: the world of appy agriculture: notes from the cutting edge“. J Macharia. 2013. journals.co.za Rhodes Journalism Review. 1 cites.
  448. The Challenge of Sustaining App Entrepreneurs“. C Locke. 2013. MIT Press Challenge. 1 cites.
  449. Mobile Payment Services in South Africa“. M Beland, W Dettling. 2013. University of Applied Sciences and Arts, Northwestern …. 1 cites.
  450. Micro-enterprises and inclusive innovation: a study of the Kenyan mobile phone sector“. C Foster. 2013. research.manchester.ac.uk . 1 cites.
  451. A Multi-Level Perspective on Inclusive Innovation: Reflections on Mobile Money in Kenya“. EK Onsongo. 2013. . 1 cites.
  452. An open API to monetize mobile micro-services for emerging countries“. N Doolhur, G Suddul, R Foogooa…. 2013. ieeexplore.ieee.org AFRICON …. 1 cites.
  453. Trends in electronic money transfer in Kenya“. S Mbuguah, S Karume. 2013. kibabiiuniversity.ac.ke Journal of Emerging Trends in …. 1 cites.
  454. Evolving payment platform for developing countries.“. RCN Mbinkeu. 2013. search.ebscohost.com International Journal of Interactive Mobile …. 1 cites.
  455. A Need For Peer-To-Peer Strong Local Authentication Protocol (P2PSLAP) In Mobile Banking“. B Masamila. 2013. search.proquest.com International Journal of Network Security & Its …. 1 cites.
  456. Factors influencing access to formal credit by small scale women tea farmers in Kenya: A case of Thika district, Kiambu County“. BM Meeme. 2013. erepository.uonbi.ac.ke . 1 cites.
  457. A Close Look at Safaricom’s M-Shwari: Mobile, yes, but how ‘cool’is it for customers?“. I Mas, T Omwansa. 2012. . 1 cites.
  458. Use of technology in delivering social protection: The Case of M-PESA“. M Maitrot, C Foster. 2012. academia.edu . 1 cites.
  459. M-Pesa tightens grip on Sh1. 2 trillion mobile money market“. D Mugwe, M Okuttah. 2012. Business Daily. 1 cites.
  460. The Niche in Mobile Money Adoptions“. M Mulwa. 2012. . 1 cites.
  461. 새로운 IT 서비스 모델, 클라우드 비즈니스 모델“. 함유근, 윤영수, 강한수, 김진성. 2012. scholar.dkyobobook.co.kr 한국 IT 서비스학회지. 1 cites.
  462. Mobile banking Trends“. S Lohiya. 2012. Ashok Yakkaldevi . 1 cites.
  463. Regulation of Banking and Payment Agents in Kenya“. M Mugo. 2012. MIT Press Regulation. 1 cites.
  464. The Challenge of Combining Credit and Savings:(Innovations Case Discussion: Jipange KuSave)“. A Amin. 2012. MIT Press Challenge. 1 cites.
  465. From the guest editors: Poverty and profits in the information age“. I Ray, R Kuriyan. 2012. itidjournal.org Information Technologies & International …. 1 cites.
  466. Problems with solutions seeking problems: debating ICT for development“. C Westrup. 2012. Palgrave Macmillan Journal of Information Technology. 1 cites.
  467. Filling the Digital Divide in Rural Connectivity: Case for Last Mile Mobile Broadband Subs.“. CA Moturi, CT Nyota. 2012. uonbi.ac.ke International Journal Of Computing & ICT …. 1 cites.
  468. GENDER EMPOWEREMENT AND ACCESS TO FINANCIAL SERVICES IN MACHAKOS COUNTY, EASTERN KENYA“. S Wandibba, SM Nangendo, BA Mulemi. 2012. imtfi.uci.edu . 1 cites.
  469. M-Pesa Utility, Operation and Entrepreneurial Innovations by Small Enterprises in Kenya“. ET Muriuki. 2011. business.uonbi.ac.ke Jomo Kenyatta University of Agriculture and …. 1 cites.
  470. Influence of Co-branding on Customer Perception: A Case of M-Kesho Customers in Kariobangi Area“. AM MAGURU. 2011. erepository.uonbi.ac.ke MBA. University of Nairobi. 1 cites.
  471. EFFECTIVENESS OF ADVERTISING STRATEGIES ADOPTED BY SAFARI COM IN MARKETING M-PESA SERVICES“. SM KIMANI. 2011. erepository.uonbi.ac.ke . 1 cites.
  472. Do the M-PESA Rails Contribute to Financial Inclusion“. M Sadana, G Mugweru, J Murithi, D Cracknell, G Wright. 2011. MicroSave Briefing Note. 1 cites.
  473. Financial Regulators and the Gateway to Financial Inclusion“. C Alexandre. 2011. papers.ssrn.com . 1 cites.
  474. Transforming Mobile Money into Food in Kenya“. G Nagarajan, S Haas. 2011. fsassessment.umd.edu IRIS Center. Nairobi, Kenya (July). 1 cites.
  475. Less Walk More Talk: How Celtel and the Mobile Phone Changed Africa, by Russell Southwood SMS Uprising: Mobile Activism in Africa, edited by Sokari Ekine …“. P Scannell. 2011. Taylor & Francis . 1 cites.
  476. M-Kesho in Kenya“. I Mas. 2010. … Note: description of M-KESHO savings tool (qualitative …. 1 cites.
  477. Challenges of Innovation Strategy: A Case Study of M-Pesa Product Introduced by Safaricom“. N Munyasi. 2010. erepository.uonbi.ac.ke Unpublished MBA project. 1 cites.
  478. Community-Level Economic Effects of M-PESA in Kenya: Initial Findings. IRIS Center Report, University of Maryland“. M Plyler, S Hass, G Nagarajan. 2010. . 1 cites.
  479. The utility of retail payments in addressing the financial inclusion gap in developing countries“. I Mas. 2010. papers.ssrn.com . 1 cites.
  480. Bridges to Cash: the retail end of M-PESA The challenge of maintaining liquidity for M-PESA Agent Networks“. F Eijkman, J Kendall, I Mas. 2009. Citeseer . 1 cites.
  481. the Economics of M-PESA“. M Money. 2009. Unpublished paper. 1 cites.
  482. Poor People Using Mobile Financial Services: Observations on Customer Usage and Impact from M-PESA CGAP Brief Online“. O Morawczynski, M Pickens. 2009. . 1 cites.
  483. The Performance and Impact of M-PESA: Preliminary Evidence From a Household Survey“. FSD Kenya. 2009. Mobile Money Summit. 1 cites.
  484. Designing Mobile Transfer Services“. I Mas, O Morawczynski. 2009. Innovation Quarterly, IV. 1 cites.
  485. M-PESA: mobile money for the “unbanked” turning cell phones into 24-hour tellers in Kenya. Innovations (Winter/Spring) 2 (1–2): 63–81“. N Hughes, S Lonie. 2007. . 1 cites.
  486. The adoption and impact of M-PESA: a first look at some new data“. B Jack, T Suri. 0. … -east/the-adoptionand-impact-of-m-pesa-a-first-look-at …. 1 cites.
  487. Uloga i zadaci školskog pedagoga u stručnom usavršavanju nastavnika osnovne škole“. M Peša. 2017. bib.irb.hr . 0 cites.
  488. Správce prezentací pro SAGE“. M Peša. 2017. dspace.cvut.cz . 0 cites.
  489. Zdravstvena njega bolesnika sa urostomom“. M Peša. 2017. zir.nsk.hr . 0 cites.
  490. Start-up entrepreneurs in the Republic of Croatia“. MB Peša. 2017. bib.irb.hr . 0 cites.
  491. Teaching Note: Case 9: M-PESA: A Renowned Disruptive Innovation from Kenya“. IK Ngugi, LW Komo. 2017. Springer Instructor’s Manual for Strategic Marketing Cases in …. 0 cites.
  492. En framtida resa med M-Pesa; En undersökning om mobila betaltjänsters påverkan på ekonomisk tillväxt“. S Lundgren, A Holm Verzola. 2017. lup.lub.lu.se . 0 cites.
  493. FACTORS INFLUENCING THE GROWTH OF SAFARICOM M-PESA MOBILE MONEY TRANSFER SERVICES IN NAIROBI COUNTY“. J WESONGA. 2017. strategicjournals.com Strategic Journal of Business & Change …. 0 cites.
  494. M-PESA and financial inclusion in Kenya: of paying comes saving?“. A Dubus, L Van Hove. 2017. hal.archives-ouvertes.fr . 0 cites.
  495. Innovation and Financial Inclusion in Kenya Innovation and Financial Inclusion in Kenya: A Case Study of M-PESA“. JN Omanga, JK Dreyer. 2017. books.google.com … Integration as a Catalyst for Industrial …. 0 cites.
  496. The M-Pesa Technological Revolution for Financial Services in Kenya: A Platform for Financial Inclusion“. N Ndung’u. 2017. Elsevier Handbook of Blockchain, Digital Finance, and Inclusion …. 0 cites.
  497. Project Abstract“. S Kusimba, GK Yang. 2017. imtfi.uci.edu . 0 cites.
  498. Porter and Kramer’s Creating Shared Value (CSV): Evidence from International Business Models“. S Nandi, ML Nandi. 2017. proceedings.aom.org Academy of Management Proceedings. 0 cites.
  499. Case Study 9: M-Pesa: A Renowned Disruptive Innovation from Kenya“. IK Ngugi, LW Komo. 2017. Springer Strategic Marketing Cases in Emerging Markets. 0 cites.
  500. The Rise of Mobile Technology in the Financial Sector in Zimbabwe“. P Mupfiga, P Tafadzwa. 2017. si-journal.org Journal of Systems Integration. 0 cites.
  501. Kenya’s Safaricom, CEO Bob Collymore and M-PESA: Extended Notes from Keynote Address“. MN Kiggundu, FO Ogola. 2017. Taylor & Francis Africa Journal of Management. 0 cites.
  502. Curbing Mobile Phone Terrorism and Financial Fraud: A Kenyan Perspective“. PM Wanjohi. 2017. riverpublishers.com Journal of ICT Standardization. 0 cites.
  503. Facilitating Financial Inclusion through Promoting the use of Mobile Money as a Saving Avenue“. A Adong, MM Lwanga. 2017. africaportal.org . 0 cites.
  504. Tech for governance programmes in Kenya: what is left of the conducive tech environment, and where to next?“. P Pieterse. 2017. opendocs.ids.ac.uk . 0 cites.
  505. Mobile Payments in Global Trade Governance“. 김아영. 2017. s-space.snu.ac.kr . 0 cites.
  506. Generators of People’s Economy“. I Bijaoui. 2017. Springer Multinational Interest & Development in Africa. 0 cites.
  507. Transforming Kenya Public Service through innovation“. NO Midamba. 2017. 41.89.49.13 . 0 cites.
  508. Blockchain and Economic Development: Hype vs. Reality“. M Pisa, M Juden. 2017. cgdev.org . 0 cites.
  509. 금융포용 (Financial Inclusion) 활동을 통한 금융회사의 차별화 사례 연구“. 송호준, 천성용. 2017. dbpia.co.kr Financial Planning Review. 0 cites.
  510. Full agenda for Heads of State Summit“. V Kiprop. 2017. repository.eac.int . 0 cites.
  511. FinTechSec: Addressing the Security Challenges of Digital Financial Services“. P Traynor, K Butler, J Bowers…. 2017. ieeexplore.ieee.org IEEE Security & …. 0 cites.
  512. Cash Management Practices on Financial Performance of Small and Medium Enterprises in Nyeri Town, Kenya“. D Kinyanjui, DN Kiragu, R Kamau. 2017. 41.89.227.156 . 0 cites.
  513. Financial Inclusion: Unshackle the Impediments to Growth“. HS Ahluwalia, KK Bhatti. 2017. International Journal of Innovative Research and …. 0 cites.
  514. Financial Inclusion: What And How? Evidence From Azerbaijani Economy“. A Imanzade, A Zeynalov, S Hasanov. 2017. econstor.eu . 0 cites.
  515. SUBSCRIBE/RENEW“. JI Guyer. 2017. journals.uchicago.edu Journal of Anthropological Research. 0 cites.
  516. Analysis on Pastoralists Financial Products and Models in Kenya“. CA Ouma. 2017. usiuservicedesk.usiu.ac.ke . 0 cites.
  517. Herbal Plants Used as Diuretics“. M Peša. 2016. bib.irb.hr . 0 cites.
  518. Display device“. M Kesho. 2016. Google Patents US Patent App. 15/182,944. 0 cites.
  519. Liquid crystal display device“. M Kesho, M Nonaka, K Takahashi…. 2016. Google Patents US Patent 9,250,486. 0 cites.
  520. The Economic Impact of Mobile Banking: The case of M-Pesa in Kenya“. N Shindika. 2016. ida.mtholyoke.edu . 0 cites.
  521. Flat-panel display device“. M Kesho, K Takahashi, M Nonaka. 2016. Google Patents US Patent 9,236,424. 0 cites.
  522. Credit Scoring for M-Shwari using Hidden Markov Model“. DB Ntwiga, W Patrick. 2016. eujournal.org European Scientific Journal, ESJ. 0 cites.
  523. THE USE AND IMPACT OF M-SHWARI AS A FINANCIAL INCLUSION BANKING PRODUCT IN URBAN AND RURAL AREAS OF KENYA“. N Kiiti, M Hennink. 2016. imtfi.uci.edu . 0 cites.
  524. Evolution of Payments Bank and Impact From M-PESA: A Case of Mobile Banking Services in India“. G Vyas, L Gaur, G Singh. 2016. dl.acm.org … of the Second International Conference on …. 0 cites.
  525. Display device“. M Kesho. 2016. Google Patents US Patent App. 15/161,476. 0 cites.
  526. A Revolution in Savings: The Impact of M-PESA on Savings Patterns in Kenya“. L Fesko. 2016. kb.osu.edu . 0 cites.
  527. CHALLENGES OF GROWTH AND EXPANSION STRATEGIES ADOPTED BY SAFARICOM KENYA LTD FOR M-PESA BUSINESS“. JN KARORI. 2016. erepository.uonbi.ac.ke . 0 cites.
  528. ANALYSIS OF FACTORS THAT CONTRIBUTED TO RAPID ADOPTION OF M-PESA IN KENYA: Cross-Country Comparison of Kenya, Tanzania and South Africa“. C Kimeli. 2016. theseus.fi . 0 cites.
  529. Outbound 型オープン・イノベーションによる商品開発と収益化: 途上国でのモバイル金融サービスへの挑戦: M-PESA を事例として“. 田平由弘, オティエノフランシス セヴィア. 2016. ci.nii.ac.jp 日本経営システム学会誌. 0 cites.
  530. CHALLENGES FACED IN THE STRATEGIC ALLIANCE BETWEEN SAFARICOM AND COMMERCIAL BANK OF AFRICA IN THE PROVISION OF M-SHWARI …“. JAO OWITI, OFB ADMINSTRATION. 2016. erepository.uonbi.ac.ke . 0 cites.
  531. How access to financial services influences how Kenyans use their disposable income: a case study of M-Pesa and M-Shwari“. J Oyier. 2016. wiredspace.wits.ac.za . 0 cites.
  532. M-PESA: A Socio-Economic Assemblage in Rural Kenya“. LJ Komen. 2016. ojs.meccsa.org.uk Networking Knowledge: Journal of the MeCCSA …. 0 cites.
  533. Facilitating Financial Inclusion using ICT: Lessons from M-PESA and E-Zwich.“. S Agyepong, H Twinomurinzi. 2016. aisel.aisnet.org ECIS. 0 cites.
  534. Mobile money and the limits of financial inclusion: a gender analysis of M-Pesa in Kenya“. S Natile. 2016. ethos.bl.uk . 0 cites.
  535. Cashless economics: the new wave of mobile money“. U Kaul. 2016. eprints.lse.ac.uk International Growth Centre Blog. 0 cites.
  536. Acceptance of M-Pesa Service and its Effect on Performance of Small and Micro-Businesses in Kenya“. A Kalei, WH Wambugu, GP Muturi. 2016. repository.kyu.ac.ke . 0 cites.
  537. MARKET REVIEW“. O TALKS. 2016. Wiley Online Library . 0 cites.
  538. Credit Scoring for M-Shwari using Hidden Markov Model“. D Bundi, W Patrick. 2016. European Scientific Journal European Scientific Journal. 0 cites.
  539. Factors Influencing the Adoption of M-Pesa in South Africa“. K Singh. 2016. University of the Witwatersrand … . 0 cites.
  540. Road Improvement Works: In Kogi State“. CAKDGF Wangusi. 2016. Wiley Online Library . 0 cites.
  541. 农村移动支付的法外创新到监管合法化“. 白丹丹. 2016. cdmd.cnki.com.cn . 0 cites.
  542. Examining the adequacy of the regulatory framework for mobile payment services: milestones, challenges and solutions“. AM Wamicwe. 2016. digital.library.strathmore.edu . 0 cites.
  543. Sambaza Watts: a nano-grid for accessing and sharing energy“. BA Orner, DE Reilly, A Chase, V Deokar, SP Linder…. 2016. IET . 0 cites.
  544. 핀테크 산업의 발전방향에 관한 연구“. 주강진, 이민화, 양희진, 류두진. 2016. dbpia.co.kr 한국증권학회지. 0 cites.
  545. BAITUL MAL WAT TAMWIL SEBAGAI APLIKASI PROGRAM FINANCIAL INCLUSION DALAM PENINGKATAN AKSES BAGI KESEJAHTERAAN MASYARAKAT KECIL …“. NE Setiowati. 2016. syekhnurjati.ac.id Al Amwal. 0 cites.
  546. Fintech’s greatest promise may be in the developing world“. K Fireman. 2016. eprints.lse.ac.uk LSE Business Review. 0 cites.
  547. Emerging new paradigms“. C Krosinsky. 2016. books.google.com Sustainable Investing: Revolutions in Theory and …. 0 cites.
  548. Развитие платежных услуг на основе мобильной связи и интернета в целях повышении финансовой доступности“. СВ Криворучко, ШТ Чан. 2016. elibrary.ru Путеводитель предпринимателя. 0 cites.
  549. UW-Pesa: A Mobile Money User Experience Experimentation Platform“. T Perrier, S Yu, R Anderson. 2016. dl.acm.org Proceedings of the 7th Annual Symposium …. 0 cites.
  550. FAKTOR YANG BERPENGARUH PADA ADOPSI MOBILE FINANCIAL SERVICE: SEBUAH STUDI EKSPLORATORI“. IN Hapsari. 2016. ejournal.unsri.ac.id Jurnal Sistem Informasi. 0 cites.
  551. Cyber Security as Development Assistance-Growth and Vulnerability“. NN Schia, S Strand. 2016. academia.edu . 0 cites.
  552. The Principles of Frugal Innovation: An Interview with Navi Radjou: Navi Radjou talks with Jim Euchner about jugaad and frugal innovation and their place in …“. N Radjou, J Euchner. 2016. Taylor & Francis Research-Technology Management. 0 cites.
  553. Marketing Strategies and Market Performance of M-Sente a Mobile Money Product of Uganda Telecom Ltd.“. BE Waiswa, A Nduhura, B Mugerwa, JP Settumba…. 2016. hrpub.org . 0 cites.
  554. ANÁLISIS DE LOS MEDIOS DE PAGO ELECTRÓNICOS PARA EL SECTOR PYMES (GUAYAQUIL) Y SU IMPACTO EN LOS CRÉDITOS A LA MICROEMPRESA DE …“. RD Bermúdez Zambrano. 2016. repositorio.uees.edu.ec . 0 cites.
  555. FACTORS THAT INFLUENCE SUCCESS OF STRATEGIC ALLIANCES BETWEEN MOBILE SERVICE PROVIDERS AND COMMERCIAL BANKS IN THE …“. M KINYENJE. 2016. erepository.uonbi.ac.ke . 0 cites.
  556. A theoretical design for mobile classifieds in developing countries“. D Adelman. 2016. repository.upenn.edu . 0 cites.
  557. Banking with Agents: Experimental Evidence from Senegal“. SB IFC, R Cull, X Giné, SH IFC. 2016. pubdocs.worldbank.org . 0 cites.
  558. PAYMENT BANKS-THE GAME CHANGER IN INDIAN BANKING“. RR Kumar. 2016. books.google.com RESPONSIBLE MARKETING FOR SUSTAINABLE …. 0 cites.
  559. INFLUENCE OF MOBILE MONEY TRANSFER ON REDUCTION OF OPERATIONAL COSTS IN FINANCIAL INSTITUTIONS“. JK Tile. 2016. academia.edu . 0 cites.
  560. PAYMENT BANKS: SUSTAINABLE GAME CHANGER OR A PASSING FAD“. U Goel, R Manrai. 2016. mba.nida.ac.th Proceedings of the NIDA International Business …. 0 cites.
  561. The Reality of Mobile Payment Systems and Social Inclusion in Latin America“. M Martínez-Fiestas, K Oviedo-Cáceres…. 2016. books.google.com … Payment Systems for …. 0 cites.
  562. 2. Banking in East Africa: The Experience of Digital Financial Services“. J OSORO, H OLAKA. 2016. eib.org Banking in sub-Saharan Africa Recent Trends and …. 0 cites.
  563. Conversation“. J Gitonga. 2016. Springer DIGITAL KENYA. 0 cites.
  564. Bolesti žlijezda slinovnica-dijagnostika i liječenje“. M Peša. 2015. zir.nsk.hr . 0 cites.
  565. Liquid crystal display device“. M Kesho, K Takahashi. 2015. Google Patents US Patent 9,134,578. 0 cites.
  566. Liquid crystal display device“. M Kesho, H Morimoto, K Takahashi…. 2015. Google Patents US Patent …. 0 cites.
  567. Komunikacija strategije informatičkih poduzeća putem internetskih stranica“. M Peša. 2015. zir.nsk.hr . 0 cites.
  568. Liquid crystal display device“. M Kesho, M Nonaka, K Takahashi…. 2015. Google Patents US Patent 9,019,439. 0 cites.
  569. Liquid crystal display device“. M Kesho, M Nonaka, K Takahashi…. 2015. Google Patents US Patent App. 14 …. 0 cites.
  570. Liquid crystal display device“. M Kesho, M Nonaka, K Takahashi…. 2015. Google Patents US Patent 9,075,271. 0 cites.
  571. Liquid crystal display device“. M Kesho, J Hirosawa. 2015. Google Patents US Patent 9,030,393. 0 cites.
  572. Vodafone’s M-Pesa-A Mobile Wallet Revolution“. A Prashaant, N Sharma. 2015. indianjournals.com FIIB Business Review. 0 cites.
  573. I nuovi servizi di pagamento per telefonia cellulare: i casi m-pesa e paym“. M GATTAPONI. 2015. etd.unimore.it . 0 cites.
  574. Liquid crystal display apparatus“. …, M Nonaka, K Takahashi, M Kesho. 2015. Google Patents US Patent 9,030,636. 0 cites.
  575. Factors affecting M-Pesa banking sectors performance in Kenya: A survey study of M-pesa agencies in Nairobi county“. GC Gikundi. 2015. erepository.mku.ac.ke . 0 cites.
  576. 10 Things you though you knew about M-PESA/CGAP# comment169596“. M Mutheu. 2015. . 0 cites.
  577. Competitive advantage of M-Pesa, is it sustainable?“. GW King’ori. 2015. su-plus.strathmore.edu . 0 cites.
  578. THE STRATEGIC RESPONSE FOR SUSTAINABLE GROWTH OF THE MOBILE MONEY PRODUCT (M-PESA) BY SAFARICOM LIMITED IN THE KENYAN …“. J NGUKU. 2015. erepository.uonbi.ac.ke . 0 cites.
  579. Cómo funciona M-Shwari: La experiencia hasta el presente“. T Cook, C McKay. 2015. cgap.org . 0 cites.
  580. Integrated Marketing Communication and Technology Adoption: The M-pesa Model in Kenya“. M Mulwa. 2015. LAP LAMBERT Academic … . 0 cites.
  581. 肯尼亚 M-PESA 手机银行发展经验及其对我国普惠金融发展的启示“. 傅长安, 李红刚, 杨航. 2015. cqvip.com 武汉金融. 0 cites.
  582. Key determinants of entrepreneur’s adoption of electronic money services“. FW Mkude. 2015. The Institute of Finance … . 0 cites.
  583. SAFARICOM IS THE BIGGEST BANK IN KENYA“. V Onjoro. 2015. . 0 cites.
  584. M-Pesa: an evolution in organisational strategy“. M Cassim, M Cassim, L Ronnie…. 2015. emeraldinsight.com … Emerging Markets Case …. 0 cites.
  585. M-PESA mobile money: a case study in Blue ocean strategy“. M Mbugua. 2015. bibliotecadigital.fgv.br . 0 cites.
  586. Determinants of user continuance intention towards mobile money services: the case of M-pesa in Kenya“. OO Osah. 2015. open.uct.ac.za . 0 cites.
  587. Fast Policy in a Mobile World“. C Gossmann. 2015. books.google.com Territories of Poverty: Rethinking North and South. 0 cites.
  588. A comparative Study for Mobile Payment in Sudan Case Study: M-PESA in Kenya“. AMA Mohammed. 2015. repository.sustech.edu . 0 cites.
  589. 아프리카 모바일 금융시장 현황과 한국의 협력방안: 가나와 우간다를 중심으로 (The African Mobile Finance Industrial Cooperation and Coordination between African …“. K Hwang, Y Chang, S Seo, D Hur, S Yuk, D Choi. 2015. papers.ssrn.com . 0 cites.
  590. The Effect of Organizational Innovation and Information Technology on Firm Performance: A Case Study of Safaricom Limited“. HM Makimi. 2015. erepo.usiu.ac.ke . 0 cites.
  591. The Roadmap Approach to Regulating Digital Financial Services“. J Greenacre. 2015. academic.oup.com Journal of Financial Regulation. 0 cites.
  592. Virtual Banking: A Guide to Innovation and Partnering (a review)“. CG Shah. 2015. CFA Institute . 0 cites.
  593. Mobiilipanganduse kasutamine Eestis“. C Küts. 2015. dspace.ut.ee . 0 cites.
  594. A Study on the New Approaches of Financial Inclusion and the Impact They Have On Small Businesses in Kikuyu Town“. W Ndung’u. 2015. erepo.usiu.ac.ke . 0 cites.
  595. Conceptualizing Mobile Money Innovations as Value Networks–the case of Mpesa in Kenya“. FG Mwiti. 2015. researchgate.net Annual Macromarketing Conference. 0 cites.
  596. FSD Kenya“. F Krijtenburg. 2015. . 0 cites.
  597. Financial Deepening And Economic Competitiveness In Kenya: The Strides To Being An Economic Power House“. M Jonathan. 2015. researchgate.net . 0 cites.
  598. Globalization and Money: A Global South Perspective“. E Gilbert. 2015. journals.sagepub.com . 0 cites.
  599. Journal of Global Economics“. OG Omondi. 2015. researchgate.net . 0 cites.
  600. Influence of promotional campaigns on adoption of mobile money payment platforms: A case study of liquor retailers in Kenya“. MA Otieno. 2015. erepo.usiu.ac.ke . 0 cites.
  601. Financial services“. O Kayser, V Budinich. 2015. Springer Scaling up Business Solutions to Social Problems. 0 cites.
  602. From the banking hall to the bandwidth: implications of mobile banking systems“. A Njenga. 2015. su-plus.strathmore.edu . 0 cites.
  603. E-Finance in ASEAN“. DKC LEE. 2015. ink.library.smu.edu.sg . 0 cites.
  604. Method and device for utilizing an available balance in mobile money account while roaming“. A Kansal, BV Vikaas. 2015. Google Patents US Patent App. 14/659,022. 0 cites.
  605. AutoCAP: An Automatic Caption Generation System based on the Text Knowledge Power Series Representation Model“. PS Krishnapriya, K Usha. 2015. Citeseer IJCA Proceedings on International Conference …. 0 cites.
  606. The effect of adoption of mobile banking systems on operational efficiency of commercial banks in Kenya“. N KIMANI. 2015. erepository.uonbi.ac.ke Unpublished MBA project. Nairobi: University of …. 0 cites.
  607. Technology Roadmap“. C Ndwiga. 2015. academia.edu . 0 cites.
  608. Financial Inclusion in International Scenario“. PK Arya, VK Laheri, S Sharma. 2015. search.proquest.com Indian Journal of …. 0 cites.
  609. EMERGING PROCUREMENT LAWS AND WOMEN’S EMPOWERMENT: ASSESSING THE COSTS AND BENEFITS OF PRIVATIZATION OF THE …“. H Amadi. 2015. webhost1.cortland.edu Wagadu. 0 cites.
  610. The Rise of LASIC Finance“. D LEE, VF SCHOLAR. 2015. skbi.smu.edu.sg . 0 cites.
  611. Liquid crystal display device“. M Kesho, M Nonaka, K Takahashi…. 2014. Google Patents US Patent 8,749,726. 0 cites.
  612. Liquid crystal display device“. M Kesho, M Nonaka, K Takahashi…. 2014. Google Patents US Patent 8,786,534. 0 cites.
  613. Liquid crystal display device and method of manufacturing liquid crystal display device“. …, M Nonaka, K Takahashi, M Kesho. 2014. Google Patents US Patent 8,902,391. 0 cites.
  614. Liquid crystal display device“. M Kesho, M Nonaka, K Takahashi…. 2014. Google Patents US Patent 8,724,065. 0 cites.
  615. Effects of M-pesa on financial efficiency of SMES in Nairobi County: A survay of SMES on Tom Mboya street“. MW Ndungu. 2014. erepository.mku.ac.ke . 0 cites.
  616. An analysis of the innovative operations strategies and M-Pesa utility by small and medium enterprises: a case study of SMEs in Nairobi Central Business District“. P Chege, CK Musau, AA Nangame, C Nyamoma…. 2014. erepository.mku.ac.ke . 0 cites.
  617. M-Powering: How Mobile Money (M-PESA) Services“. BM Maake, NN Oino, FM Awuor. 2014. books.google.com Emerging Issues and …. 0 cites.
  618. Factors Affecting Mobile Money Transfer Services in Kenya: a Case of M-pesa Users at Kasarani Division in Nairobi“. JN Kimani. 2014. ir-library.ku.ac.ke . 0 cites.
  619. M-Pesa Comes to India“. N Joseph, BD Mazzotta. 2014. papers.ssrn.com . 0 cites.
  620. Scaling of user driven technological change Case-based analysis of the scaling trajectories of M-PESA and iDART“. CP Brink. 2014. library.wur.nl . 0 cites.
  621. Why efforts to spread novel ICTs often fail“. C Foster, R Heeks. 2014. search.proquest.com Appropriate Technology. 0 cites.
  622. Mobile money helps Kenyans weather financial storms“. P Dizikes. 2014. search.proquest.com Appropriate Technology. 0 cites.
  623. Effects of Safaricom M-pesa system on efficiency of customer bill payment in Kisii County“. NL Okenyuri. 2014. Moi University . 0 cites.
  624. The Principles of CSR 2.0“. W Visser. 2014. Springer CSR 2.0. 0 cites.
  625. CHINA: TALENTS FOR SCIENCE.“. JV Pugachenko. 2014. search.ebscohost.com Aziya i Afrika Segodnya. 0 cites.
  626. Cardless Withdrawal System for Mobile Banking Applications“. CM Istrate. 2014. jmeds.eu Journal of Mobile, Embedded and Distributed Systems. 0 cites.
  627. System bezgotówkowych transferów telefonicznych jako narzędzie walki z finansowym wykluczeniem osób najuboższych w krajach rozwijających się“. P Chmielewski. 2014. bazekon.icm.edu.pl Acta Universitatis Lodziensis. Folia …. 0 cites.
  628. Modelamiento de las preferencias de los hogares de estratos 1, 2 y 3 por las billeteras móviles en la localidad de Fontibón, Bogotá“. EB Vélez. 2014. Uniandes . 0 cites.
  629. Risk Sharing and Transaction Costs: Evidence from Kenya’s Mobile Money Revolution, A Replication Study of Jack and Suri (2014)“. N Alinaghi, WR Reed. 2014. 3ieimpact.org. 0 cites.
  630. MOBILE MONEY SYSTEM AS A TOOL OF FINANCIAL EMANCIPATION OF THE POOREST OF THE POOR IN DEVELOPMING COUNTRIESM“. P Chmielewski. 2014. czasopisma-test.uni.lodz.pl Folia Oeconomica. 0 cites.
  631. Case Study: Value Innovation of Mobile Payment“. YX Su. 2014. . 0 cites.
  632. 行動支付發展價值創新之個案研究“. 蘇裕翔. 2014. ir.lib.ntust.edu.tw . 0 cites.
  633. Mobile banking security using GPS and LDPC codes“. MF Moccaro. 2014. scholarworks.uark.edu . 0 cites.
  634. Mobile Phone Financial Services in Africa“. A Stensland. 2014. publications.lakeforest.edu . 0 cites.
  635. Financial Inclusion: An Analysis of Cross-Cultural Business Models“. Y Huang. 2014. publications.lakeforest.edu . 0 cites.
  636. Reversing the Tide of Youth Unemployment“. S Garlick. 2014. MIT Press . 0 cites.
  637. Generous Profits“. P Shadbolt. 2014. CFA Institute CFA Institute Magazine. 0 cites.
  638. Access to Finance and Mobile Banking in Africa“. JO Aiyedogbon, E Obumneke. 2014. tesdo.org . 0 cites.
  639. Mobile Money Transaction As A Drive Towards Improvement Of Farm Produce Sales To Small Scale Farmers In Trans Nzoia County A Study Of Women In …“. NM Jacob. 2014. academia.edu . 0 cites.
  640. Financial Inclusion Strategy Focus in Kenya“. VS Epper, JO Nyangweta. 2014. IBMRD’s Journal of Management & Research. 0 cites.
  641. Działania sektora bankowego w walce z wykluczeniem społecznym“. A Łukasiewicz-Kamińska. 2014. ceeol.com . 0 cites.
  642. Reach Critical Mass“. S Vandermerwe. 2014. Springer Breaking Through. 0 cites.
  643. CHAPTER NINE A SIMPLE BUT EFFECTIVE INNOVATION: MOBILE FINANCIAL SERVICES IN DEVELOPING COUNTRIES“. JL GÓMEZ-BARROSO…. 2014. books.google.com Innovation in Financial …. 0 cites.
  644. WEB-BASED LAND INFORMATION MANAGEMENT SYSTEM: A CASE STUDY OF NAIROBI CITY COUNCIL“. S Liyala. 2014. journals.jkuat.ac.ke Scientific Conference Proceedings. 0 cites.
  645. Financial TechWill Disrupt Business Models Globally.“. N Walton. 2014. eprints.worc.ac.uk The Oxford Analytica Daily Brief. 0 cites.
  646. Evolution of Mobile Money Technologies in Developing Nations: Successes and Lessons.“. V Dibia. 2014. aisel.aisnet.org . 0 cites.
  647. Rethinking agribusiness models in Africa“. C Wayua, K Weldemariam, O Stewart. 2014. dl.acm.org Proceedings of the 29th Annual …. 0 cites.
  648. Socio-economic Effects of Mpesa Adoption on the Livelihoods of People in Bureti Sub County, Kenya“. SG Njeru, GO Abura, RM Gikunda. 2014. repository.embuni.ac.ke . 0 cites.
  649. TRGOVSKA GORA MTS. AS A POTENTIAL DISPOSAL SITE FOR LOW AND INTERMEDIATE LEVER RADIOACTIVE WASTE“. M Peša. 2013. bib.irb.hr . 0 cites.
  650. Market Demand and Innovation: The Case of M-pesa“. EK Onsongo. 2013. m.sussex.ac.uk . 0 cites.
  651. Trgovska gora kao potencijalna lokacija za odlagalište nisko i srednje radioaktivnog otpada: diplomski rad“. M Peša. 2013. zir.nsk.hr . 0 cites.
  652. Differences in the Economic Impact of Mobile Phone Banking between Rural and Urban Areas: Evidence from M-Pesa in Kenya“. S Inagaki. 2013. . 0 cites.
  653. Mobile Money: A Theoretical study of Alternative Media of Exchange, and an Empirical study with respect to M-Pesa in Kenya“. G Subramaniam. 2013. papers.ssrn.com . 0 cites.
  654. AN INVESTIGATION OF SAFARICOM M-PESA STRATEGIES IN ENHANCING MOBILE MONEY TRANSFER SERVICES IN KENYA“. AW GITU. 2013. erepository.uonbi.ac.ke . 0 cites.
  655. The role of mobile money services in improving Microfinance services in rural areas: a case of m-Pesa in kilosa, morogoro“. S Hoope. 2013. scholar.mzumbe.ac.tz . 0 cites.
  656. The “bi-directional” influence between technology and society: how M-PESA is shaping and being shaped by society in Kenya“. SA Gebregziabher. 2013. repository.up.ac.za . 0 cites.
  657. Integrated Marketing Communication and Technology Adoption: A Case of Safaricom’s M-Pesa Mobile Money Transfer Services in Kenya. Published by …“. M Mulwa, N Ndeti. 2013. . 0 cites.
  658. The Effect of Mobile Money Transfer on Working Capital Management: A Case of Debt Collection at NAWASSCO.“. JM Wepukhulu. 2013. The International Institute for … . 0 cites.
  659. ‘M-Pesa’: The Technical Transformation of Local Economics in Kenya Through Increased Money Mobility“. G Kaleli-Lee. 2013. papers.ssrn.com . 0 cites.
  660. Shalu Chopra Richa Sharma“. AM Sherry. 2013. pdfs.semanticscholar.org . 0 cites.
  661. Exploring consumer intentions to use the M-pesa financial service: a comparative study of low-income communities in Kenya and South Africa“. O Osah. 2013. 146.141.12.21 . 0 cites.
  662. MOBILE PHONES AND LIVELIHOODS: The Synergy of Mobile Banking Services and Livelihoods. A Case Study of Using M-PESA in the Urban and Peri-Urban Areas …“. S Akol. 2013. diva-portal.org . 0 cites.
  663. Factors Affecting the Revenue of M-Pesa Service Agents in Kenya [MBA Thesis]“. LM Gachuhi. 2013. United States International … . 0 cites.
  664. Money, Real Quick: Kenya’s Disruptive Mobile-Money Innovation“. TM Waema. 2013. Taylor & Francis . 0 cites.
  665. Das M-Pesa-Finanzsystem“. K Wahlers. 2013. Springer Die rechtliche und ökonomische Struktur von …. 0 cites.
  666. … of Mobile Banking Phone Companies Strategies on Promoting Safetyness of Customers Money in Tanzania: Case Study of Vodacom M-Pesa, Tigo Pesa and Airtel …“. C Kaijage. 2013. repository.out.ac.tz . 0 cites.
  667. Mobile money and Somali social networks: Cultivating monetary alternatives in a volatile world.“. G Iazzolino. 2013. The University of Manchester Library … . 0 cites.
  668. Är mobila banktjänster mirakelmedicinen för en underutvecklad finanssektor?“. S Norburg. 2013. lup.lub.lu.se . 0 cites.
  669. Overflows of Technological Innovation in Emerging Economies: The Case of M-Pesa“. N Hayes, G Miscione, C Westrup. 2013. papers.ssrn.com . 0 cites.
  670. Safaricom and M-PESA in Kenya: Financial Inclusion and Financial Integrity“. MW Buku, MW Meredith. 2013. digital.law.washington.edu . 0 cites.
  671. The rise of mobile money: Regulatory issues for Australia“. J Greenacre. 2013. search.proquest.com JASSA. 0 cites.
  672. М. я. ИМРАМЗИЕВА“. П БАНкИНГА. 2013. vestnik-turan.kz «ТҰРАН» УНИВЕРСИТЕТІНІҢ ХАБАРШЫСЫ …. 0 cites.
  673. Мобильные уроки третьего мира“. Н Югринова. 2013. cyberleninka.ru Бизнес-журнал. 0 cites.
  674. MOBILE PAYMENTS INTEGRATION: SOLVING PROBLEMS FOR KENYAN MICRO, SMALL, AND MEDIUM ENTERPRISES“. C Kwak. 2013. dataspace.princeton.edu . 0 cites.
  675. Blog Posts on Financial Inclusion, Mobile Money and Branchless Banking: 2013“. I Mas. 2013. papers.ssrn.com . 0 cites.
  676. Fallstudien“. T Lerner. 2013. Springer Mobile Payment. 0 cites.
  677. Aid projects bring ICT into focus [Africa Special ICT Aid]“. A Bodhani. 2013. ieeexplore.ieee.org Engineering & Technology. 0 cites.
  678. The dual role of mobile payment solutions in developing countries“. L CHAIX, D TORRE. 2013. Université de. 0 cites.
  679. Kenya–world leader in mobile payments“. E Gostomski, T Michałowski. 2013. ingentaconnect.com Contemporary Economy. 0 cites.
  680. Embargoed until Friday October 25th“. J Haushofer, J Shapiro. 2013. . 0 cites.
  681. Bid/Ask 竟价/询价“. 覃岩. 2013. 商业周刊. 0 cites.
  682. 当金融遇到互联网——刘士余对话王建宙“. 王春梅, 王丽娟, 徐英. 2013. 新华月报. 0 cites.
  683. 要旨: アフリカの携帯電話と社会開発: 携帯電話は貧困削減に役に立っているのか“. 桂智紀. 2013. repo.lib.ryukoku.ac.jp . 0 cites.
  684. Kenia–światowy lider w płatnościach mobilnych“. E Gostomski, T Michałowski. 2013. yadda.icm.edu.pl Współczesna Gospodarka. 0 cites.
  685. Voices: The Bigger Game for Global Business“. M Dahad, J Thoms. 2013. Wiley Online Library Business Strategy Review. 0 cites.
  686. Section III: Diaspora Networks and Co-Development“. D Rodima-Taylor. 2013. bu.edu Remittance Flows to post-Conflict States: perspectives …. 0 cites.
  687. Framework for Extending Adoption of M-banking in Rural Areas of Kenya.“. PG Wang’oo. 2013. . 0 cites.
  688. Einführung und Gang der Untersuchung“. K Wahlers. 2013. Springer Die rechtliche und ökonomische Struktur von …. 0 cites.
  689. 아프리카 주요 산업에서의 모바일 서비스 동향 및 사례 연구“. 유지은, 김선영, 백준봉. 2013. fall.kics.or.kr 한국통신학회 학술대회논문집. 0 cites.
  690. Increasing facility deliveries in Western Kenya: Changamka’s mobile e-vouchers“. World Health Organization. 2013. apps.who.int . 0 cites.
  691. The Role of Anti-Money Laundering Law in Mobile Money Systems in Developing Countries“. ES Kobor. 2013. digital.law.washington.edu . 0 cites.
  692. Sustainable m-Governance strategies for communities in tension: exploring the role of the grassroots champion.“. K Appolis, B Alexander. 2013. digitalknowledge.cput.ac.za . 0 cites.
  693. Le applicazioni che cambiano la vita“. S Malavasi. 2013. rivisteweb.it Equilibri. 0 cites.
  694. Zusammenfassung“. T Lerner. 2013. Springer Mobile Payment. 0 cites.
  695. Introduction to Mobile Money in Developing Countries: Financial Inclusion and Financial Integrity Conference Special Issue“. JK Winn, L de Koker. 2013. digital.law.washington.edu . 0 cites.
  696. what is the question?“. M Africa, S FRANCHISING, I BONDS. 2013. insideoutpaper.org . 0 cites.
  697. Organizing innovation to deliver financial services to the base of the Pyramid“. B Posthumus, M Van Den Homberg…. 2013. ieeexplore.ieee.org … and Exhibition (IST …. 0 cites.
  698. Mobile Money Transfer“. P Cornforth, J Downing, G Reeve. 2013. Google Patents US Patent App. 13/946,559. 0 cites.
  699. Road junction” Škurinje”-application of digital photogrammety in watershed area modeling“. M Peša, I Fuis, S Babić, N Krvavica. 2012. bib.irb.hr Zbornik radova Građevinskog …. 0 cites.
  700. RESEÑA“. MP en Kenya. 2012. cgap.org . 0 cites.
  701. Emerging IT Services Model: Cloud Business Model, Focused on M-Pesa Case“. Y Hahm, Y Youn, H Kang, J Kim. 2012. koreascience.or.kr Journal of the Korea society of …. 0 cites.
  702. Impact of mobile phones on household income: a case study of M-Pesa in Kiagu location, Meru County“. SK Mwabu. 2012. University of Nairobi, Kenya . 0 cites.
  703. M-PESA, Airtel Money or Orange Money? This is why BoP customers choose one rather than the other“. TK Omwansa. 2012. . 0 cites.
  704. A SURVEY OF FACTORS AFFECTING OPERATION EFFICIENCY OF SMALL ENTREPRENEURS: THE CASE OF M-PESA OUTLETS IN NAIROBI, KENYA.“. PT NJOROGE. 2012. erepository.uonbi.ac.ke . 0 cites.
  705. Factors influencing the use of mobile banking in Kenya: a case of M-Pesa by Safaricom“. AH Mahboob. 2012. University of Nairobi, Kenya . 0 cites.
  706. Impact of mobile money transfer service m-pesa on microenterprises in Kenya“. KN Muriuki. 2012. su-plus.strathmore.edu . 0 cites.
  707. For F&A Use O“. S Hall, M Making. 2012. solutionscenter.nethope.org . 0 cites.
  708. THE ROLE OF M-COMMERCE IN DEVELOPING COUNTRIES AND THE IMPACT ON INTERNATIONAL TRADE: A CASE STUDY OF M-PESA IN KENYA“. CK MUNYAO. 2012. erepository.uonbi.ac.ke . 0 cites.
  709. A survey to determine the product characteristics that influenced the rapid adoption of M-Pesa in Kenya“. PJ Mdindi. 2012. erepository.uonbi.ac.ke . 0 cites.
  710. Global Software Development Development of a web platform for exchanging educational content in a virtual team setting“. S Lazopoulou, X Li, N Lund, B Müller, M Nielsen…. 2012. itu.dk . 0 cites.
  711. STRATEGIC RESPONSES ADOPTED BY SAFARICOM LIMITED IN KENYA TO ADDRESS FRAUD RELATED CHALLENGES IN THE M-PESA SERVICE“. DM NDUNG’U. 2012. erepository.uonbi.ac.ke . 0 cites.
  712. Mobile Banking Services in South Africa: The case of M-Pesa.“. S Kabanda, A Downes, SB dos Ramos. 2012. books.google.com INC. 0 cites.
  713. Développement du système financier de l’UEMOA après 2006“. R García-Verdú. 2012. works.bepress.com . 0 cites.
  714. From the Bank to the Bazaar: mobile Banking and second-order Networks in low-income countries“. C Agur. 2012. hal.archives-ouvertes.fr Communiquer dans un monde de normes. L’ …. 0 cites.
  715. ORGANIZATIONAL CAPABILITIES AND PERFORMANCE OF SUGAR COMPANIES IN KENYA“. NG Onyango, DM Wanjere, RKW Egessa, SW Masinde. 2012. researchgate.net . 0 cites.
  716. D-Lab-ICT: spreading ICT innovation: Cambridge, Massachusetts“. J Kola. 2012. dl.acm.org XRDS: Crossroads, The ACM Magazine for Students. 0 cites.
  717. NY CTED CONFERENCE“. P Ondiege. 2012. nyucted.org . 0 cites.
  718. Mobile Banking–Enabler to Facilitate Financial Inclusion“. TS Dave. 2012. papers.ssrn.com . 0 cites.
  719. The Feasibility of a Mobile Phone Based System to Increase Vaccine Coverage and Timeliness Through Conditional Cash Transfers and Short Message …“. D Gibson. 2012. medicine20congress.com Medicine 2.0 Conference. 0 cites.
  720. SECURITY ISSUES FACED BY MOBILE CASH TRANSFER APPLICATIONS IN KENYA ON GSM AND 3G NETWORKS“. GW Chemwa. 2012. journals.jkuat.ac.ke Scientific Conference Proceedings. 0 cites.
  721. Mobile Money, Financial Inclusion and Policy Challenges“. PL Chatain. 2012. yadda.icm.edu.pl Bezpieczny Bank. 0 cites.
  722. Analysis and Design of Mobile Payment Platform in African Context“. RCN Mbinkeu. 2012. Springer International Conference on e-Infrastructure and e …. 0 cites.
  723. Proceedings of the 14th annual conference On World Wide Web applications“. PK Wamuyu. 2012. erepo.usiu.ac.ke . 0 cites.
  724. Factors Affecting Growth of SMEs in Gatundu Region North Sub-county“. M Jokorvic. 2012. content.grin.com . 0 cites.
  725. LE RENFORCEMENT DE LA SURVEILLANCE DU SECTEUR FINANCIER DANS LES PAYS À FAIBLE REVENU—ÉTUDES DE CAS“. S Tiwari, R Sahay, A Sayeh. 2012. imf.org . 0 cites.
  726. Introduction: The Cynics, Optimists and Pirates are all Making Africa Beautiful“. C Onyango-Obbo. 2012. Springer Development. 0 cites.
  727. Introduction to Mobile Money in Developing Countries: Financial Inclusion and Integrity Conference Special Issue“. JK Winn, L Koker. 2012. HeinOnline Wash. JL Tech. & Arts. 0 cites.
  728. MOBILE MONEY AND PROFITABILITY IN THE BANKING SECTOR“. MD KIARIE. 2012. MAKERERE UNIVERSITY . 0 cites.
  729. Testing the Measurement Frequency of Electro-Optical Distance Meters“. M Peša. 2011. bib.irb.hr . 0 cites.
  730. Mineralogical and petrographical description of podiform chromite deposits and surrounding ultrabasite rocks from selected locations within Dinarides …“. M Peša. 2011. Rudarsko-geološko-naftni fakultet … . 0 cites.
  731. Povijest tiskarstva i nakladništva u Zadru od kraja 17. do 19. stoljeca“. M Peša. 2011. uzda.unizd.hr . 0 cites.
  732. A re-look at contribution and linkages between technological innovations, financial inclusion of the poor and performance of m-pesa in Kenya“. TM Nyamache, MO Nyakora. 2011. indianjournals.com Asian Journal of Research in …. 0 cites.
  733. FACTORS AFFECTING EFFECTIVE CAPACITY IN MOBILE PHONE MONEY TRANSFER SERVICES: A CASE OF SAFARICOM M-PESA SERVICES“. MV KERUBO. 2011. erepository.uonbi.ac.ke . 0 cites.
  734. Effectiveness of mobile financial services: a case study of vodacom m-pesa in Tanzania“. ER Shirima. 2011. 41.86.178.4 . 0 cites.
  735. The effect of M-Pesa technology strategy on the performance of Kenya Commercial Bank ltd“. JN Mutuku. 2011. . 0 cites.
  736. Influence of co-branding on customer perception“. AM Maguru. 2011. . 0 cites.
  737. Breaking down barriers in Rural Kenya: a case study of M-PESA services in Migwani area of Mwingi District, Kenya“. RL De Souza. 2011. University of Nairobi, Kenya . 0 cites.
  738. Adoption of mobile payment (M-Pament) services in Tanzania opportunities and challenges: case study of M-Pesa and Zap“. V Nasari. 2011. 41.86.178.4 . 0 cites.
  739. How mobile technology has transformed small business in Kenya: A case study of M-PESA users“. TR Odhuno-Were. 2011. era.library.ualberta.ca . 0 cites.
  740. M-PESA Power: Leveraging service innovation in emerging economies“. M Barrett, HSA Kim, K Prince. 2011. publications.eng.cam.ac.uk … Case Clearing House …. 0 cites.
  741. Assessment of Customer Satisfaction towards Mobile Money Transfer Services in Tanzania: Case Study Of Vodacom’s M-Pesa“. NL Madirisha. 2011. repository.out.ac.tz . 0 cites.
  742. Plan de negocios para la generación de una red para la comercialización de dinero electrónico en Ecuador“. P Velásquez Hidalgo. 2011. repositorio.usfq.edu.ec . 0 cites.
  743. Inclusión e innovación financiera: el caso de M-PESA en Kenia“. MF Guillén, SF de Lis. 2011. Instituto Español de Comercio … Claves de la …. 0 cites.
  744. Mobile banking regulation in kenya: which way, bank based or telco based?“. FK Orioki. 2011. University of Nairobi . 0 cites.
  745. m-Pesa and access to health in Kenya“. S Haas, I Center. 2011. oauth2callback.gsma.com … of Maryland, College Park. http://www …. 0 cites.
  746. Map Room Kenya: Phoning it In“. S Chu, J Mellin. 2011. muse.jhu.edu World Policy Journal. 0 cites.
  747. Consumer acceptance of mobile payment services“. R Nykvist, P Stalfors. 2011. gupea.ub.gu.se . 0 cites.
  748. Taking stock: The challenge of savings for all“. B Christen. 2011. developmentbookshelf.com Enterprise Development and Microfinance. 0 cites.
  749. By Matunda Nyanchama [email protected] matunda. org“. M Nyanchama. 2011. xa.yimg.com . 0 cites.
  750. The Near Future Impact of Smart Mobile Devices on Electronic-Commerce and the Growth of Mobile-Electronic-Commerce“. B Walters. 2011. brucewalters.net . 0 cites.
  751. Evolution of Mobile Banking in Microfinance: Issues and Challenges“. KM Rani. 2011. The microFINANCE. 0 cites.
  752. The Digital Divide“. M de Kare-Silver. 2011. Springer E-Shock 2020. 0 cites.
  753. Препятствует ли множество возможностей, доступных потребителям в развитых странах, развитию мобильной коммерции?“. П Кларк-Диксон. 2011. abajour.ru Аналитический банковский журнал. 0 cites.
  754. The latest frontiers for financial inclusion: Using mobile phones to reach the unbanked“. T Bruett. 2011. frbsf.org Community Development Investment Review. 0 cites.
  755. A Case study on corporate governance issues facing the commercial banking sector in Kenya“. M Kisienya. 2011. digital.library.strathmore.edu . 0 cites.
  756. Mobiliteit verander wyse waarop Afrika sake doen“. L Harris. 2010. scholar.sun.ac.za . 0 cites.
  757. Strategic alliances and competitive advantage: a case study of Safaricom Limited“. EW Mwai. 2010. University of Nairobi, Kenya . 0 cites.
  758. Research on Preparation and Performance of Environmentally Friendly Scale Inhibition and Dispersion Agent“. MF Yan, ZF Liu, XL Wu, XJ Hu. 2010. ieeexplore.ieee.org Bioinformatics and Biomedical …. 0 cites.
  759. 信息通讯技术如何改变贫民窟居民的生活“. 乔纳森, 安德, 鲁斯, 韩肖倩. 2010. cqvip.com 人类居住. 0 cites.
  760. Mobile money proves its worth“. G Vince. 2010. Elsevier New Scientist. 0 cites.
  761. Transfer of services to emerging markets–mobile services, m-payment & m-health“. S Chia. 2010. Springer ICT for the Next Five Billion People. 0 cites.
  762. Reciprocity, Nepotism or Costly Signaling“. M Eriksson. 2010. . 0 cites.
  763. Payment Obligations: Traditional Legal Questions“. P Mäntysaari. 2010. Springer The Law of Corporate Finance: General Principles and …. 0 cites.
  764. Interbank money transfer system for PC and mobile“. WAK Hesse. 2010. air.ashesi.edu.gh . 0 cites.
  765. Comments on Haitian Monetary Ecologies and Repertoires: A qualitative snapshot of money transfer and savings“. F Osorio. 2010. People. 0 cites.
  766. Share this on Twitter or Facebook“. F Osorio. 2010. mobilelivelihoods.wordpress.com People. 0 cites.
  767. Reviews and resources“. M Malkamäki. 2010. developmentbookshelf.com . 0 cites.
  768. ‘The Yunus Inside’–How Social Intrapreneurs create and blend societal and business value“. H Spitzeck. 2010. papers.ssrn.com . 0 cites.
  769. Safaricom’s M-Pesa Wins Global Mobile Award“. K Engineer. 2009. KENYA ENGINEER. 0 cites.
  770. Secure contactless smart card transactions on mobile devices“. A Poroye, WD Tucker, M Norman. 2009. repository.uwc.ac.za . 0 cites.
  771. BRIEF“. PPUM Financial. 2009. pdfs.semanticscholar.org . 0 cites.
  772. CUSTOMER PERCEPTION ON M-PESA SERVICES: A CASE STUDY OF KITENGELA AND ATHI RIVER TOWNSHIPS“. EM MUTUA. 2009. erepository.uonbi.ac.ke . 0 cites.
  773. Can you pay me now?“. R Lapper, E Cruz. 2009. search.proquest.com Americas Quarterly. 0 cites.
  774. Translations by text“. A Ananthaswamy. 2009. Elsevier New Scientist. 0 cites.
  775. Mobile Payments for Remittances in Africa: Benchmarking with Latin America (La Téléphonie Mobile, L’avenir Des Transferts D’Argent?)(French)“. L Recuero Virto. 2009. papers.ssrn.com . 0 cites.
  776. Materiálové vlastnosti kompozitních materiálů“. M Peša. 2008. dspace.vsb.cz . 0 cites.
  777. Dialling Change“. R Gregory. 2008. JSTOR The World Today. 0 cites.
  778. Mobile payments breakthrough is just around the corner“. P Heikkinen. 2008. helda.helsinki.fi . 0 cites.
  779. Mobiilimaksamisen läpimurtoa odotetaan“. P Heikkinen. 2008. helda.helsinki.fi . 0 cites.
  780. DHCP SERVIS“. M PEŠA. 0. valentini-kozica.from.hr. 0 cites.
  781. Transferencia de Resultados de la Investigación Educativa al Aprendizaje de la Optica“. MP de Danón, LC de Cudmaní, JS de Sandoval. 0. sbfisica.org.br. 0 cites.
  782. Krizno stanje kod posttraumatskog stresnog poremećaja“. M Peša-Morožin. 0. . 0 cites.
  783. M-PESA: Effects of Mobile Banking on Poverty in Africa“. R Hunt. 0. . 0 cites.
  784. 情報通信技術の途上国貧困層への開発インパクトに関する実証分析-ケニアの M-PESA を事例として“. 菅原秀幸, 大野泉, 松島桂樹. 0. . 0 cites.
  785. M-Money Channel Distribution Case–Tanzania“. VT M-PESA. 0. documents.worldbank.org. 0 cites.
  786. MICRO-FINANCE THE EFFECTS OF MOBILE PHONE MONEY TRANSFER SYSTEM (M-PESA) ON THE PROFITABILITY OF MICRO AND SMALL …“. CN Simiyu. 0. JOMO KENYATTA UNIVERSITY OF AGRICULTURE …. 0 cites.
  787. INFLUENCE OF INNOVATION STRATEGY ON CUSTOMER CHOICE OF A SERVICE: A CASE OF M-PESA MONEY TRANSFER SERVICE AMONG BODA …“. GC WANJIRU. 0. . 0 cites.
  788. THE EFFECT OF M-PESA TECHNOLOGY STRATEGY ON THE PERFORMANCE OF KENYA COMMERCIAL BANK LTD“. JN MUTUKU. 0. erepository.uonbi.ac.ke. 0 cites.
  789. Applying Utaut and Innovation Diffusion Theory to Understand the Rapid Adoption of M-PESA“. C Kinuthia. 0. ijcat.com. 0 cites.
  790. The case of M-PESA“. MMPD Student. 0. telecompk.net. 0 cites.
  791. Integrated Marketing Communication (IMC) and Technology Adoption: A Case of Safaricom’s M-PESA Mobile Money Transfer Services in Kenya.“. M Mulwa. 0. conferences.uonbi.ac.ke. 0 cites.
  792. STK IMPLEMENTATION IN SMS BANKING IN M-PESA-KENYA, EXPLOITS AND FEASIBLE SOLUTIONS“. D Nyaketcho, D Lindskog, R Ruhl. 0. infosec.concordia.ab.ca. 0 cites.
  793. M-Pesa: An E“. M Cass. 0. gsblibrary.uct.ac.za. 0 cites.
  794. Surviving in the dual system How M-PESA is fostering urban-to-rural remittances“. O Morawczynski. 0. IFIP WG 9.4-University of Pretoria Joint Workshop. 0 cites.
  795. Mobile financial service and Financial Inclusion“. Y CHOI. 0. itu.int. 0 cites.
  796. Islamic Finance and Banking ala M-Pesa“. H Balala. 0. . 0 cites.
  797. Research Article Relax, You’ve Got M-PESA: Leisure as Empowerment“. R Gajjala, D Tetteh. 0. academia.edu. 0 cites.
  798. Mobile Payment System Security Breaches in the Developing World: The M-PESA Pseudo-Hack“. SD Hibbard, M Kenya. 0. academia.edu. 0 cites.
  799. A framework to evaluate payment systems for“. V Barca, A Hurrell, I MacAuslan, A Visram, J Willis. 0. ipc-undp.org. 0 cites.
  800. An Analysis of M-Pesa Use in International Transactions“. C Ntara. 0. researchgate.net. 0 cites.
  801. The Effect of Integrating Mobile Technology in Micro Finance Institutions. Case of Small and Micro-Enterprise Program (SMEP) In Kisumu County“. KL Ogweno, OE Oteyo, OA Collins. 0. academia.edu. 0 cites.
  802. Impact assessment of M-PESA on the informal sector in Nairobi, Kenya“. WW Waithaka. 0. nrfnexus.nrf.ac.za. 0 cites.
  803. Mobile money business development at Vietnam mobile service“. TTT Nga. 0. . 0 cites.
  804. Mobile money, trade credit, and economic development“. T Beck, H Pamuk, R Ramrattan, B Uras. 0. voxeu.org. 0 cites.
  805. REVOLUCIÓN DIGITAL“. EN CASI. 0. . 0 cites.
  806. The integration and influence of mobile money transfer (especially m-pesa) in comparison to other payment systems in the agricultural value chain in the Mt …“. F Becker, KS Schettler-Köhler, F Schubert…. 0. researchgate.net Heft 186 Berlin …. 0 cites.
  807. TXTBANKNG THE UNBANKED“. D Hinshaw. 0. spectregroup.wordpress.com. 0 cites.
  808. Bundling with Switching Costs in Mobile Banking Markets“. G Gaudin. 0. . 0 cites.
  809. DISSERTATION PROPOSAL: EFFECTS OF MOBILE MONEY INNOVATION ON THE BANKING INDUSTRY IN KENYA A CASE STUDY OF SAFARICOM …“. S MARWA. 0. academia.edu. 0 cites.
  810. The use and possibilities of m-applications in East Africa“. J Hellström. 0. w3.org. 0 cites.
  811. Bank More with Fewer Branches: A Conducive Branchless Banking Policy to Advance Financial Inclusion in Bhutan“. E Dema. 0. fletcher.tufts.edu THE FLETCHER SCHOOL. 0 cites.
  812. Aspectos Jurídicos del Dinero Electrónico: Instrumento de Inclusión Financiera. El Modelo Perú“. MC Pirgo. 0. revistas.pucp.edu.pe Derecho & Sociedad. 0 cites.
  813. Connect with us“. C Fiorina–Chairman, A Grove–Chairman…. 0. vodafone.com. 0 cites.
  814. Concern Worldwide Social Protection Programmes“. EV Recovery. 0. . 0 cites.
  815. PGDM e-Business 08-10 Welingkar Institute of Management Development & Research“. A Gupta. 0. ankitgupta.net.in. 0 cites.
  816. Category Archives: mobile phone“. F Osorio. 0. mobilelivelihoods.wordpress.com. 0 cites.
  817. The co-evolution of technology, infrastructure and policy: Reflections on mobile money innovation in Kenya“. E Onsongo. 0. academia.edu. 0 cites.
  818. INFORMATION TECHNOLOGY AND FINANCIAL INCLUSION: MEANS, CONCERNS AND MEASURES SIBI. MS, Ph. D“. D ANANTH. 0. jiarm.com. 0 cites.
  819. Einsatz von Mobiltelefonen in Entwicklungsländern“. R Kis. 0. vs.inf.ethz.ch. 0 cites.
  820. Mobile Money-A new Age Banking Solution“. M Saifee, A Bhowate. 0. academia.edu. 0 cites.
  821. DETERMINANTS OF SELF SERVICE BANKING TECHNOLOGY IN KENYA“. KKS Charles. 0. academia.edu. 0 cites.
  822. Emerging rivalry in the ride-sharing economy: Kenya and South Africa“. SC Dube. 0. competition.org.za. 0 cites.
  823. Case: Mobile Money“. M Law, R Mullins, T Pham, A Wang, A Yanes. 0. . 0 cites.
  824. Influence of Price, Product Quality, Brand Image and Promotion Activities on Choice of Mobile Phone Network: a Case of Embu Town, Kenya“. M Warutere. 0. Citeseer. 0 cites.
  825. The Home Economics of E-Money: Velocity, Cash Management“. I Mbiti, DN Weil. 0. JSTOR. 0 cites.
  826. Briefing: Mobile Money“. M Law, R Mullins, T Pham, A Wang, A Yanes. 0. . 0 cites.
  827. Einsatz von Mobiltelefonen in Entwicklungsländern“. VS Seminar. 0. vs.inf.ethz.ch. 0 cites.
  828. Obama Visits Brazilian and Chilean Presidents, Signals Greater Cooperation on Environment, Trade, Energy and Development“. W Hemisphere. 0. search.proquest.com. 0 cites.
  829. Mobile Wallet service Utilisation in India: emperical analysis of user trust and acceptance factors“. I Sinha. 0. ijser.org. 0 cites.
  830. 1. Literature review on inclusive businesses and value chain development in Africa“. F Kapfudzaruwa. 0. bdsknowledge.org Value chain development by the private sector in …. 0 cites.
  831. The European Financial Review“. S Gupta. 0. . 0 cites.
  832. From Competition to Cooperation–Co-Opetition:(A Case of Safaricom’s Mobile Money Transfer (MPESA) and Commercial Banks in Kenya)“. DK Kirui, PK Chepkuto, JG Tanui. 0. Citeseer. 0 cites.
  833. ICT for Rural Economic Development: What can be improved?“. IZ GIZ. 0. search.proquest.com. 0 cites.
  834. FSD Insights“. WMASM MONEY. 0. . 0 cites.
  835. Evaluating services An exploratory approach beyond Service Design“. S Maffei, B Villari, F Foglieni. 0. academia.edu. 0 cites.
  836. Effects of Cyber Security on Selected Mobile Phone Payment System in Nairobi Central Business District, Kenya“. CM Nyamboga, WN Barasa. 0. academia.edu. 0 cites.
  837. State of the Infrastructure for M-services“. G Suddul, R Foogooa, A Ramdoyal, U Bahadoor…. 0. researchgate.net. 0 cites.
  838. Lessons From the 2013 Microcredit Summit: Financial Inclusion Strategies To End Extreme Poverty“. A NILESHWAR, J MARSDEN, L REED. 0. researchgate.net. 0 cites.
  839. Panorama del dinero móvil en América Latina y el Caribe“. MJ Roa, N García, A Frías. 0. cemla.org. 0 cites.
  840. NFC Mobile Money with Sophisticated Phones or Mobile Money Applications with Basic Phones, which could be Successful to Kenya?“. LM MURIIRA. 0. academia.edu. 0 cites.
  841. The evolution of organized crime and illicit trafficking in Africa, and its implications for citizen and state security“. M Shaw, T Reitano. 0. pnud.org.ar THE ROLE OF LAW AND JUSTICE IN AFRICA’S …. 0 cites.
  842. Effects of Cost Reduction by Use of Mobile Phone Money Transfer System on the Profitability of Micro and Small Enterprises in Bungoma County.“. CN Simiyu. 0. academia.edu. 0 cites.
  843. oving Upwardly: Lessons from Mobile Payments in Kenya“. J Glendinning. 0. obsfin.ch. 0 cites.
  844. The Transformation of East Africa’s Economy Using Mobile Phone Money Services: A Pragmatist Account of ICT Use.“. S Muwanguzi, GW Musambira. 0. iiis.org. 0 cites.
  845. GOLD TO GIGABYTES“. C Eagleton, B Maurer. 0. lib.uci.edu. 0 cites.
  846. THE ROLE OF MOBILE BANKING IN ENHANCING ECONOMIC DEVELOPMENT ULOGA MOBILNOG BANKARSTVA U POSPJEŠIVANJU EKONOMSKOG …“. S Bećirović. 0. academia.edu. 0 cites.
  847. Resource Scarcity“. L Farinelli. 0. hnrs353008.wordpress.com. 0 cites.
  848. Mobile Money and Financial Services in Sub-Saharan Africa“. A Ramazzotti. 0. researchgate.net. 0 cites.

Leave a Reply

This site uses Akismet to reduce spam. Learn how your comment data is processed.