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Ignacio Mas and Dan Redcliffe, \"Mobile Payments Go Viral: M-PESA in Kenya,\" The Capco Institute Journal for Financial Transformation, August 2011."},{"key":"e_1_3_2_1_2_1","volume-title":"August","author":"Aggarwal Neeraj","year":"2011","unstructured":"Neeraj Aggarwal , James Bilodeau , William Hoffman , and SjoerdNikkelen, \" Untapped Potential : Mobile Banking for the Unbanked,\" BCG Report , August 2011 . Neeraj Aggarwal, James Bilodeau, William Hoffman, and SjoerdNikkelen, \"Untapped Potential: Mobile Banking for the Unbanked,\" BCG Report, August 2011."},{"key":"e_1_3_2_1_3_1","volume-title":"Mobile Banking and Payments in India,\" Harvard Business School case","author":"Gupta Sunil","year":"2013","unstructured":"Sunil Gupta and RachnaTahilyani, \"EKO : Mobile Banking and Payments in India,\" Harvard Business School case , 2013 . Sunil Gupta and RachnaTahilyani, \"EKO: Mobile Banking and Payments in India,\" Harvard Business School case, 2013."},{"key":"e_1_3_2_1_4_1","volume-title":"Three Winning Strategies for Banks,\" Swift White Paper","author":"Payments Mobile","year":"2012","unstructured":"\" Mobile Payments : Three Winning Strategies for Banks,\" Swift White Paper , 2012 . \"Mobile Payments: Three Winning Strategies for Banks,\" Swift White Paper, 2012."},{"key":"e_1_3_2_1_5_1","volume-title":"M-PESA: Mobile Money for the \"Unbanked","author":"N.","year":"2007","unstructured":"Hughes, N. and Lonie S . ( 2007 ). M-PESA: Mobile Money for the \"Unbanked \". Hughes, N. and Lonie S. (2007). M-PESA: Mobile Money for the \"Unbanked\"."},{"key":"e_1_3_2_1_6_1","volume-title":"Advances in Security and Payment Methods for Mobile Commerce","author":"Kou C.W.","year":"2004","unstructured":"Hu, W.C.; Lee, C.W. and Kou , W ( 2004 ). \" Advances in Security and Payment Methods for Mobile Commerce \". Idea Group Publishing . Hu, W.C.; Lee, C.W. and Kou, W (2004). \"Advances in Security and Payment Methods for Mobile Commerce\". Idea Group Publishing."},{"key":"e_1_3_2_1_7_1","unstructured":"Sanyam Jain \"Payment Bank Meaning and Feature \" August 16 2015.  Sanyam Jain \"Payment Bank Meaning and Feature \" August 16 2015."},{"key":"e_1_3_2_1_8_1","unstructured":"VivekPai \"M-pesa to distribute Government Financial aid through Mobile Phones \" July 30 2015.  VivekPai \"M-pesa to distribute Government Financial aid through Mobile Phones \" July 30 2015."},{"key":"e_1_3_2_1_9_1","unstructured":"\"Indian Banking -- The engine for sustaining India's Growth Agenda \" KPMG 2013.  \"Indian Banking -- The engine for sustaining India's Growth Agenda \" KPMG 2013."},{"key":"e_1_3_2_1_10_1","unstructured":"\"RBI Guidelines for Licensing Payments Bank --Opportunities and Challenges \" Deloitte December 2014.  \"RBI Guidelines for Licensing Payments Bank --Opportunities and Challenges \" Deloitte December 2014."},{"volume-title":"October 16, 2009.","author":"S.","key":"e_1_3_2_1_11_1","unstructured":"Mwangi S. Kimenyi and NjugunaS. Ndung'u, \"Expanding the Financial Services Frontier:Lessons from Mobile Phone Banking in Kenya \". October 16, 2009. MwangiS. Kimenyi and NjugunaS. Ndung'u, \"Expanding the Financial Services Frontier:Lessons from Mobile Phone Banking in Kenya\". 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No. 1.2010, ISSN 1998-1279."},{"key":"e_1_3_2_1_13_1","unstructured":"\"Is the Bottom of Pyramid Really for you \" Harvard Business Review March 2011.  \"Is the Bottom of Pyramid Really for you \" Harvard Business Review March 2011."},{"key":"e_1_3_2_1_14_1","volume-title":"Lessons from M-Pesa","author":"Mas Ignacio","year":"2009","unstructured":"Ignacio Mas and Olga Morawczynski , \" Designing Mobile Money Services : Lessons from M-Pesa ,\" 2009 . Ignacio Mas and Olga Morawczynski, \"Designing Mobile Money Services: Lessons from M-Pesa,\" 2009."},{"key":"e_1_3_2_1_15_1","unstructured":"William Jack and Tanveet Suri \"The Economics of M-Pesa \" August 2010.  William Jack and Tanveet Suri \"The Economics of M-Pesa \" August 2010."},{"key":"e_1_3_2_1_16_1","volume-title":"June","author":"Mbiti Isaac","year":"2011","unstructured":"Isaac Mbiti and David N . Weil, \"Mobile Banking: The Impact of M-Pesa in Kenya,\" National Bureau of Economic Research , June 2011 . Isaac Mbiti and David N. Weil, \"Mobile Banking: The Impact of M-Pesa in Kenya,\" National Bureau of Economic Research, June 2011."},{"key":"e_1_3_2_1_17_1","unstructured":"Reserve Bank of India \"Draft Guidelines for Licensing Payments Bank \" July 17 2014.  Reserve Bank of India \"Draft Guidelines for Licensing Payments Bank \" July 17 2014."},{"key":"e_1_3_2_1_18_1","volume-title":"Issue. 2","author":"Gupta Aastha","year":"2013","unstructured":"Aastha Gupta and Munish Gupta , \" Electronic Mode of Payment -- A study of Indian Banking System ,\" International Journal of Enterprise Computing and Business Systems , Vol. 2. Issue. 2 . July 2013 . Aastha Gupta and Munish Gupta, \"Electronic Mode of Payment -- A study of Indian Banking System,\" International Journal of Enterprise Computing and Business Systems, Vol. 2. Issue. 2. July 2013."},{"key":"e_1_3_2_1_19_1","unstructured":"P. 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