@incollection{,
	
					
					
					D014A8FA308A2FBDFC7CB67AD41F29EB
				,
	author={{Morris AyodelePeacock} and {PORT LOKO UNIVERSITY COLLEGE}},
	journal={{Global Journal of Computer Science and Technology}},
	journal={{GJCST}}0975-41720975-435010.34257/gjcst,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}2213135
}

@book{b0,
	
	
		,
	title={{}}
		,
	author={{
			EricKodjoafanu
		} and {
			RaymondSelormmamattah
		}}
		
		
			,
	year={2013}
		
	

}

@book{b1,
	
	
		,
	title={{Mobile Financial Services}}
				
			,
	publisher={A MicroSave Publication}
		
	

}

@incollection{b2,
	
	
		,
	title={{María Paula Subia and Nicole Martinez-International Organization for Migration (IOM)}}
	
	
		,
	journal={{ACP Observatory on Migration}}
		
			,
	year={2014}
		
	
	,
	note={Mobile money services: "A Bank in your pocket. Overview and opportunities}

}

@book{b3,
	
	
		,
	title={{Mobile Banking: Innovation for the Poor}}
		,
	author={{
			TIsmail
		} and {
			KMasinge
		}}
		
		
		
			,
	year={2011}
		
		
			UNU-MERIT
		
	
	,
	note={Working paper 2011-074. Available from}

}

@book{b4,
	
	
		,
	title={{The development of a mobile money service: an exploratory actor-network study}}
		,
	author={{
			BGodfried
		} and {
			Adaba & Daniel Azerikatoa Ayoung
		}}
		
		
			,
	year={2017}
		
	

}

@book{b5,
	
	
		,
	title={{Risk management in Mobile Money: Observed Risks and Proposed Mitigants for Mobile Money Operators}}
		,
	author={{
			AndrewJamesLake
		}}
		
			,
	year={November 2013}
		
	

}

@book{b6,
	
	
		,
	title={{Predicting fraud in mobile money transfer}}
		,
	author={{
			AdeyinkamAdedoyin
		}}
		
			,
	year={June 2018}
		
	

}

@book{b7,
	
	
		,
	title={{}}
		,
	author={{
			LaraGilman
		} and {
			MichaelJoyce
		}}
		
		
		
			Managing the Risk of Fraud in Mobile Money
		
	

}

@book{b8,
	
	
		,
	title={{Challenges facing the use and adoption of Mobile Phone Money Services}}
		,
	author={{
			CollinsOdoyo
		} and {
			SamuelOtieno
		} and {
			BensonLiyala
		} and {
			Odongo
		} and {
			-Silvanceabeka
		}}
		
		
		
		
		
			,
	year={January 2016}
		
	

}