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(4) Minjin Kim,Hanah Zoo,Heejin Lee, and Juhee Kang, “Mobile financial services, financial inclusion, and development: A systematic review of academic literature”, Electronic Journal of Information Systems in Developing Countries, 84:5 (2018). (5) United Nations, “The Sustainable Development Goals Report 2019", 2019, accessed on 26/06/2022 at https://unstats.un.org/sdgs/report/2019/The- Sustainable-Development-Goals-Report-2019.pdf. (6) Mark Graham and Christopher Foster, “Geographies of Information Inequality in Sub-Saharan Africa”, The African Technopolitan, 4 (2016), pp. 78–85. ) انظر على سبيل المثال: 7 ( - World Bank, “ICT for greater development impact: World bank group strategy for information and communication technology”, 2015, The World Bank Group, accessed on 26/06/2022 at https://openknowledge.worldbank. org/bitstream/handle/10986/27411/715400WP0WBG0I0sclosed0July02502012. pdf?sequence=1&isAllowed=y - Kangni Kpodar and Mihasonirina Andrianaivo, “ICT, financial inclusion, and growth evidence from African countries”, 2011, Working Paper No. 11/73, accessed on 26/06/2022 at https://www.imf.org/en/Publications/WP/ Issues/2016/12/31/ICT-Financial-Inclusion-and-Growth-Evidence-from-African- Countries-24771 (8) Laura Mann and Mark Graham, “The Domestic Turn: Business Process Outsourcing and the Growing Automation of Kenyan Organisations”, The Journal of Development Studies, 52:4 (2016), pp. 530-548. (9) Kate Meagher, Laura Mann and Maxim Bolt, “Introduction: Global Economic Inclusion and African Workers”, The Journal of Development Studies, 52:4 (2016), pp. 471-482. (10) Laura Mann and Elie Nzayisenga, Ibid. (11) Laura Mann and Mark Graham, Ibid. (12) Philippe Bocquier, “Informal sector versus informal contracts in Nairobi,
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