@incollection{,
	
					
					
					B5E15FACFC8296706D329578937FDE90
				,
	author={{Kwaku D.Kessey} and {Kwame Nkrumah University of Science and Technology}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}1924151
}

@book{b0,
	
	
		,
	author={{
			ABAndy
		} and {
			BAma
		}}
		
		
		,
	title={{The Effect of Mobile Money on the Payment Systems of Ghana?}}
				
			,
	year={2015}
		
	

}

@incollection{b1,
	
	
		,
	title={{Savings, Investment and Financial Development with Informal and Semi-formal Financial Markets in Africa}}
		,
	author={{
			EAryeetey
		}}
	
	
		,
	journal={{African Development Review}}
		
			9
			1
			,
	year={1997}
		
	

}

@incollection{b2,
	
	
		,
	title={{The economics of mobile payments: Understanding stakeholder issues for an emerging financial technology application}}
		,
	author={{
			YorisAAu
		} and {
			RobertJKauffman
		}}
		
	
	
		,
	journal={{Electronic Commerce Research and Applications}}
		
			7
			2
			,
	year={2008}
		
	

}

@book{b3,
	
	
		,
	title={{?Bank of Ghana to review Mobile Money regulations: www}}
		,
	author={{
			GhanaBank Of
		}}
		
			,
	year={2016. 2016/06}
		
	

}

@book{b4,
	
	
		,
	title={{Mobile payments in the United States: mapping out the road ahead}}
		,
	author={{
			DContini
		} and {
			MCrowe
		} and {
			CMerritt
		} and {
			ROliver
		} and {
			SMott
		}}
		
		
		
		
		
			,
	year={2011. March}
		
		
			Federal Reserve Bank of Atlanta and Federal Reserve Bank of Boston White Paper
		
	

}

@book{b5,
	
	
		,
	title={{Development Policy and Planning; an introduction models and techniques}}
		,
	author={{
			AnisChowdhury
		} and {
			ColinKirkpatrick
		}}
		
		
			,
	year={1994}
			,
	address={London, Routledge}
		
	

}

@book{b6,
	
	
		,
	title={{Mobile Money for Financial Inclusion}}
		,
	author={{
			KDonovan
		}}
		
			,
	year={2012}
			,
	address={Washington DC, elibrary.worldbank. org}
		
	

}

@book{b7,
	
	
		,
	title={{Making sense of mobile money in urban Ghana: Personal, business, social and financial inclusion prospects. Institute for Money, Technology and Financial Inclusion (IMTFI)}}
		,
	author={{
			VDzokoto
		} and {
			EAppiah
		}}
		
		
			,
	year={2014}
			,
	address={Irvine, University of California}
		
	

}

@incollection{b8,
	
	
		,
	title={{The mobile money movement: Catalyst to jump-start emerging markets}}
		,
	author={{
			MGencer
		}}
	
	
		,
	journal={{innovations}}
		
			6
			1
			
			,
	year={2011}
		
	

}

@incollection{b9,
	
	
		,
	title={{Social Networks of Mobile Money in Kenya Institute for Money}}
		,
	author={{
			SKusimba
		}}
	
	
		,
	booktitle={{Technology anf Financial Inclusion(IMTFI) Working}}
				
			,
	year={2013}
			
		
	

}

@book{b10,
	
	
		,
	title={{}}
		,
	author={{
			IrvineSeries
		} and {
			UnversityOf California
		}}
		
		
	

}

@incollection{b11,
	
	
		,
	title={{Post Redenomination and Money Management Technical Report Institute for Money Technology anf Financial Inclusion (IMTFI), Irvine, Unversity of California}}
		,
	author={{
			ECMensah
		} and {
			VDzokoto
		}}
		
		
	
	
		,
	booktitle={{Quarterly statistical bulletin on communications in Ghana? www.nca.org.gh/.../Quaterly Statistics. 13. National Communications Authority (NCA)}}
				
			,
	year={2011. 2011. 2016. 2016}
			12
		
	
	,
	note={Industry Information-Telecom Subscriptions for March}

}

@incollection{b12,
	
	
		,
	title={{Impact of mobile phone based money transfer services in agriculture: evidence from Kenya}}
		,
	author={{
			KKOliver
		} and {
			JOJulius
		} and {
			ANRose
		}}
		
		
	
	
		,
	booktitle={{IAAE Triennial Conference}}
				Brazil
		
			,
	year={2012}
			24
		
	

}

@book{b13,
	
	
		,
	title={{Mobile applications for agriculture and rural development}}
		,
	author={{
			CZQiang
		} and {
			SCKuek
		} and {
			ADymond
		} and {
			SEsselaar
		} and {
			ISUnit
		}}
		
		
		
		
		
			,
	year={2011}
			,
	address={Washington DC, The World Bank}
		
	

}

@incollection{b14,
	
	
		,
	author={{
			MGRaphael
		} and {
			OAGilbert
		} and {
			GNSamuel
		}}
		
		
	
	
		,
	booktitle={{Socio-economic Effects of Mpesa Adoption on the Livelihoods of People in Bureti Sub County}}
				Kenya
		
			,
	year={2014}
			4
			12
		
	

}

@book{b15,
	
	
		,
	title={{Migrant remittances to developing countries, London. United Kingdom Department for International Development (DFID)}}
		,
	author={{
			CSander
		}}
		
			,
	year={2003}
		
	

}

@book{b16,
	
	
		,
	title={{The End of Money}}
		,
	author={{
			DWolman
		}}
		
			,
	year={2012}
			,
	publisher={De Capo Press}
			,
	address={Cambridge, Massachusetts}
		
	

}

@incollection{b17,
	
	
		,
	title={{Global Economic Developments and Ghana's Economic Performance? isser}}
	
	
		,
	journal={{World Bank Report}}
		
			,
	year={2014}
		
	

}