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africaportal.org/documents/The_African_Technopolitan_January_2016_Issue.pdf (21) Laura Mann and Nzayisenga Elie, Ibid. (22) Claudia McKay and Rafe Mazer, “10 Myths About M-PESA”, CGAP (the Consultative Group to Assist the Poor), 2014, accessed on 26/06/2022 at http://www.cgap.org/blog/10-myths-about-m-pesa-2014-update (23) Alex Comninos, Ali Ndiwalana, Christoph Stork, and Steve Esselaar, “Airtime to Cash: Unlocking the Potential of Africa's Mobile Phones for Banking the Unbanked, IST-Africa 2009 Conference Proceedings, IIMC International Information Management Corporation, 2009, accessed on 26/06/2022 at: https://www.academia.edu/622640/Airtime_to_Cash_Unlocking_ the_Potential_of_Africas_Mobile_Phones_for_Banking_the_Unbanked (24) Ibrahim Abdirahman et.al, “Connectivity at the Bottom of the Pyramid: ICT4D and Informal Economic Inclusion in Africa”, Bellagio Centre White Paper, December 2017, accessed on 26/06/2022 at https://www.researchgate. net/publication/322293930_CONNECTIVITY_AT_THE_BOTTOM_OF_THE_ PYRAMID_ICT4D_and_Informal_Economic_Inclusion_in_Africa ) المصدر السابق. 25 ( (26) Daniela Gabor and Sally Brooks, “The digital revolution in financial inclusion: international development in the fintech era”, New Political Economy, 22:4 (2017), pp. 423-436. (27) CIPESA, The Growing Trend of African Governments’ Requests for User Information and Content Removal From Internet and Telecom Companies,
Policy Brief July 2017 (28) Laura Mann, Ibid.
(29) Asli Demirgüç-Kunt and Leora Klapper, “Financial Inclusion in Africa: An Overview”, 2012, Policy Research Working Paper No. 6088, World Bank, accessed on 26/06/2022 at https://openknowledge.worldbank.org/ handle/10986/9335 (30) World Bank, “Sudan - Global Financial Inclusion (Global Index) Database”, 2014, accessed on 26/06/2022 at https://microdata.worldbank.org/
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