Links
[1] http://www.gdi.manchester.ac.uk/research/publications/other-working-papers/di/di-wp65/
[2] http://www.gdi.manchester.ac.uk/research/publications/other-working-papers/di/
[3] http://journals.sagepub.com/doi/pdf/10.1177/095624780101300211
[4] https://ict4dblog.wordpress.com/2012/11/24/why-m-pesa-outperforms-other-developing-country-mobile-money-schemes/
[5] http://journals.sagepub.com/doi/pdf/10.1177/0956247808089148