@incollection{,
	
					
					
					D55C5F2369EF4B3B57FC8E8A2696AC2A
				,
	author={{Jean BoscoHarelimana} and {Institut dEnseignement Superieur de Ruhengeri Musanze}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}1744555
}

@book{b0,
	
	
		,
	title={{Mobile Phones and Economic Development in Africa, Center for Global Development Working Paper 211}}
		,
	author={{
			JCAker
		} and {
			IM&mbiti
		}}
		
		
			,
	year={2010}
			,
	publisher={Center for Global Development}
			,
	address={Washington, D.C.}
		
	

}

@incollection{b1,
	
	
		,
	title={{Relationship between corporate governance efficiency and Saudi banks' performance}}
		,
	author={{
			AHAl-Hussein
		} and {
			RLJohnson
		}}
		
	
	
		,
	journal={{The Business Review}}
		
			14
			1
			
			,
	year={2009}
		
	

}

@book{b2,
	
	
		,
	title={{The Great Moderation, The Great Panic And The Great Contraction, Transcript of the Schumpeter Lecture At The Annual Congress Of The European Economic Association}}
		,
	author={{
			CBean
		}}
		
			,
	year={2009. 25 August}
			,
	address={Barcelona}
		
	

}

@incollection{b3,
	
	
		,
	title={{Banking competition, regulation and the philosophy of financial development: a search for first principles}}
		,
	author={{
			JBisignano
		}}
	
	
		,
	booktitle={{the internationalization of capital markets and the regulatory response, John Fingleton}}
				London
		
			,
	publisher={Graham and Trotman}
			,
	year={1992}
		
	

}

@incollection{b4,
	
	
		,
	title={{Bank Runs, Deposit Insurance, and Liquidity}}
		,
	author={{
			DWDiamond
		} and {
			PH
		}}
		
	
	
		,
	journal={{Journal of Political Economy}}
		
			91
			3
			
			,
	year={1983}
		
	

}

@incollection{b5,
	
	
		,
	title={{Mobile banking and economic development: Linking adoption, impact, and use}}
		,
	author={{
			JDonner
		} and {
			AC&tellez
		}}
		
	
	
		,
	journal={{Asian Journal of Communication}}
		
			18
			4
			
			,
	year={2008}
		
	

}

@book{b6,
	
	
		,
	title={{SPSS for windows step by step: A simple guide and preference 11.0 update}}
		,
	author={{
			DGeorge
		} and {
			P&malley
		}}
		
		
			,
	year={2003}
			,
	publisher={Allyn and Bacon}
			,
	address={Boston, MA}
		
	
	,
	note={4th ed.}

}

@incollection{b7,
	
	
		,
	title={{Credit Analysis of Financial Institutions}}
		,
	author={{
			WAGrier
		}}
	
	
		,
	journal={{Euromoney Institution Investor PLC}}
		
			,
	year={2007}
		
	
	,
	note={2nd ed.}

}

@incollection{b8,
	
	
		,
	title={{Factors Affecting Bank Profitability in Pakistan}}
		,
	author={{
			SGul
		} and {
			FIrshad
		} and {
			K&zaman
		}}
		
		
	
	
		,
	journal={{The Romanian Economic Journal}}
		
			39
			
			,
	year={2011}
		
	

}

@book{b9,
	
	
		,
	title={{Beyond the Enclave, Towards a Pro-Poor and Inclusive Development Strategy for Zimbabwe}}
		,
	author={{
			GKanyenze
		} and {
			TKondo
		} and {
			PChitambira
		} and {
			JMartens
		}}
		
		
		
		
			,
	year={2011}
			,
	publisher={Weaver Press}
			,
	address={Harare}
		
	

}

@incollection{b10,
	
	
		,
	title={{Selection criteria for a mode of bill payment: empirical investigation among Finnish bank customers}}
		,
	author={{
			HKarjaluoto
		}}
	
	
		,
	journal={{International Journal of Retail & Distribution Management}}
		
			30
			6
			
			,
	year={2002}
		
	

}

@incollection{b11,
	
	
		,
	title={{Access to Finance}}
		,
	author={{
			DKarlan
		} and {
			J&morduch
		}}
		
	
	
		,
	booktitle={{Handbook of Development Economics}}
				,
	editor={
			Dani
			MRosenzweig
		}
		Amsterdam
		
			,
	publisher={Elsevier}
			,
	year={2009}
			5
			
		
	

}

@book{b12,
	
	
		,
	title={{Contribution of electronic banking to the effective Performance}}
		,
	author={{
			EOryiek
		}}
		
			,
	year={2008}
			,
	publisher={Nairobi. ACTS Press}
		
	

}

@incollection{b13,
	
	
		,
	title={{RBAP Text-A-Payment and G-Cash Cash-In/Cash-Out Services: Innovative Banking Services At Your Fingertips}}
		,
	author={{
			JOwens
		}}
	
	
		,
	journal={{Johnowensrbap}}
		
			,
	year={2006}
		
	

}

@book{b14,
	
	
		,
	title={{The Enabling Environment for Mobile Banking in Africa}}
		,
	author={{
			DPorteous
		}}
		
			,
	year={2006}
			,
	publisher={DFID}
			,
	address={London}
		
	

}

@book{b15,
	
	
		,
	title={{Effects of Mobile Banking on the Financial Performance of Commercial Banks in Kenya}}
		,
	author={{
			WMRachael
		}}
		
			,
	year={2010}
			,
	address={Nairobi, Kenya}
		
		
			University of
		
	
	,
	note={Unpublished thesis}

}

@book{b16,
	
	
		,
	title={{Mobile Banking as Business Strategy: Impact of Mobile Technologies On Customer Behaviour And Its Implications For Banks}}
		,
	author={{
			TRajnish
		}}
		
			,
	year={2006}
			,
	address={Istanbul}
		
	

}