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Kim, Minjin, Zoo, Hanah, Lee, Heejin and Kang, Juhee, "Mobile, Financial Inclusion and Development: A Critical Review of Academic Literature" 10th Annual Pre-ICIS SIG Global Development Workshop, Seoul, 2017/12/10. 599  
Kim, Minjin, Zoo, Hanah, Lee, Heejin and Kang, Juhee, (2018). Mobile financial services, financial inclusion, and development: A systematic review of academic literature. The Electronic Journal of Information Systems in Developing Countries, 84(4), 1-17 546