{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2024,6,11]],"date-time":"2024-06-11T19:55:51Z","timestamp":1718135751019},"reference-count":36,"publisher":"Institute of Electrical and Electronics Engineers (IEEE)","issue":"3","license":[{"start":{"date-parts":[[2014,7,1]],"date-time":"2014-07-01T00:00:00Z","timestamp":1404172800000},"content-version":"vor","delay-in-days":0,"URL":"https:\/\/ieeexplore.ieee.org\/Xplorehelp\/downloads\/license-information\/IEEE.html"}],"content-domain":{"domain":[],"crossmark-restriction":false},"short-container-title":["IEEE Consumer Electron. Mag."],"published-print":{"date-parts":[[2014,7]]},"DOI":"10.1109\/mce.2014.2317916","type":"journal-article","created":{"date-parts":[[2014,6,26]],"date-time":"2014-06-26T18:30:53Z","timestamp":1403807453000},"page":"70-75","source":"Crossref","is-referenced-by-count":1,"title":["Postcrisis Access to the Financial System"],"prefix":"10.1109","volume":"3","author":[{"given":"Jose Luis","family":"Gomez-Barroso","sequence":"first","affiliation":[]},{"given":"Raquel","family":"Marban-Flores","sequence":"additional","affiliation":[]}],"member":"263","reference":[{"key":"ref33","first-page":"13","article-title":"The power of mobile money","volume":"392","year":"2009","journal-title":"The Economist"},{"key":"ref32","first-page":"85","article-title":"Out of thin air. The behind-the-scenes logistics of Kenya's mobile-money miracle","volume":"395","year":"2010","journal-title":"The Economist"},{"key":"ref31","first-page":"217","article-title":"Universalism: Public service and citizenship in the Information Age","volume":"5","author":"taylor","year":"1996","journal-title":"Information Infrastructure & Policy"},{"key":"ref30","doi-asserted-by":"publisher","DOI":"10.1177\/0956247808089148"},{"key":"ref36","first-page":"61","article-title":"CellBazaar: Enabling m-commerce in Bangladesh","volume":"7","author":"zainudeen","year":"2011","journal-title":"Inf Technol Int Dev"},{"key":"ref35","doi-asserted-by":"publisher","DOI":"10.1109\/MTAS.2007.371280"},{"key":"ref34","first-page":"1","article-title":"Tapping the potential of the unbanked—Private sector interest increases","author":"tillett","year":"2003","journal-title":"Chicago Fed Letter"},{"key":"ref10","article-title":"Impact assessment accompanying the document ‘commission recommendation of 18 July 2011 on access to a basic payment account'","year":"0","journal-title":"Commission Staff Working Paper SEC(2011) 906"},{"key":"ref11","article-title":"FDIC national survey of unbanked and underbanked households","year":"2009"},{"key":"ref12","doi-asserted-by":"crossref","first-page":"79","DOI":"10.1108\/14636690910941902","article-title":"Mobile telephone opportunities: The case of micro- and small enterprises in Ghana","volume":"11","author":"godfred","year":"2009","journal-title":"Info"},{"key":"ref13","doi-asserted-by":"publisher","DOI":"10.1016\/j.telpol.2010.01.001"},{"key":"ref14","doi-asserted-by":"publisher","DOI":"10.1016\/j.giq.2005.08.001"},{"key":"ref15","doi-asserted-by":"publisher","DOI":"10.1111\/j.1745-6606.2010.01171.x"},{"key":"ref16","first-page":"1","article-title":"Remittances and the unbanked","author":"handlin","year":"2002","journal-title":"Chicago Fed Letter"},{"key":"ref17","doi-asserted-by":"publisher","DOI":"10.1162\/itgg.2007.2.1-2.63"},{"key":"ref18","first-page":"83","article-title":"Monetary theory and electronic money: Reflections on the Kenyan experience","volume":"96","author":"jack","year":"2010","journal-title":"Quarter Journal of Economics"},{"key":"ref19","first-page":"269","article-title":"The impact of mobile phone and economic growth in developing countries","volume":"5","author":"kefela","year":"2011","journal-title":"S Afr J Bus Manage"},{"key":"ref28","first-page":"39","article-title":"Findings from the FDIC survey of bank efforts to serve the unbanked and underbanked","volume":"3","author":"ryan","year":"2009","journal-title":"FDIC Quart"},{"key":"ref4","article-title":"Access to financial services and the financial inclusion agenda around the world: A cross-country analysis with a new data set","author":"ardi\u00e7","year":"2011","journal-title":"The World Bank Policy Research Working Paper 5537"},{"key":"ref27","doi-asserted-by":"publisher","DOI":"10.1111\/j.1745-6606.2006.00044.x"},{"key":"ref3","doi-asserted-by":"publisher","DOI":"10.2307\/20111897"},{"key":"ref6","article-title":"CSES—Centre for Strategy and Evaluation Services. (2010). Study on the costs and benefits of policy actions in the field of ensuring access to a basic bank account—Final report","year":"0","journal-title":"Report for the Directorate General for Internal Market and Services"},{"key":"ref29","doi-asserted-by":"publisher","DOI":"10.1007\/978-3-642-02767-3_57"},{"key":"ref5","doi-asserted-by":"publisher","DOI":"10.1177\/0891242408318738"},{"key":"ref8","doi-asserted-by":"publisher","DOI":"10.1080\/01436590903134882"},{"key":"ref7","doi-asserted-by":"publisher","DOI":"10.1016\/j.elerap.2007.02.001"},{"key":"ref2","doi-asserted-by":"publisher","DOI":"10.1257\/jep.24.3.207"},{"key":"ref9","first-page":"87","article-title":"Commission recommendation of 18 July 2011 on access to a basic payment account","year":"2011","journal-title":"2011\/442\/EU OJ L 190"},{"key":"ref1","doi-asserted-by":"publisher","DOI":"10.1162\/itid.2007.4.1.5"},{"key":"ref20","doi-asserted-by":"publisher","DOI":"10.1111\/j.1365-2575.2007.00269.x"},{"key":"ref22","article-title":"Banking on mobiles: Why, how, for whom?","author":"mas","year":"2008","journal-title":"CGAP Focus Note 48"},{"key":"ref21","first-page":"215","article-title":"Moving from unbanked to banked: Evidence from the Money Smart program","volume":"13","author":"lyons","year":"2004","journal-title":"Fin Serv Rev"},{"key":"ref24","article-title":"Mobile payments go viral: M-PESA in Kenya","author":"mas","year":"2010","journal-title":"Bill & Melinda Gates Foundation"},{"key":"ref23","doi-asserted-by":"publisher","DOI":"10.1162\/itgg.2009.4.2.77"},{"key":"ref26","doi-asserted-by":"publisher","DOI":"10.1109\/MTS.2011.941327"},{"key":"ref25","doi-asserted-by":"publisher","DOI":"10.1080\/17531050903273768"}],"container-title":["IEEE Consumer Electronics Magazine"],"original-title":[],"link":[{"URL":"http:\/\/xplorestaging.ieee.org\/ielx7\/5962380\/6844917\/06844931.pdf?arnumber=6844931","content-type":"unspecified","content-version":"vor","intended-application":"similarity-checking"}],"deposited":{"date-parts":[[2022,1,12]],"date-time":"2022-01-12T16:55:59Z","timestamp":1642006559000},"score":1,"resource":{"primary":{"URL":"http:\/\/ieeexplore.ieee.org\/document\/6844931\/"}},"subtitle":[],"short-title":[],"issued":{"date-parts":[[2014,7]]},"references-count":36,"journal-issue":{"issue":"3"},"URL":"https:\/\/doi.org\/10.1109\/mce.2014.2317916","relation":{},"ISSN":["2162-2248","2162-2256"],"issn-type":[{"value":"2162-2248","type":"print"},{"value":"2162-2256","type":"electronic"}],"subject":[],"published":{"date-parts":[[2014,7]]}}}