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1. BANKING SECTOR REFORM AND FINANCIAL REGULATION : IT'S EFFECTS ON ACCESS TO FINANCIAL SERVICES BY LOW INCOME HOUSEHOLDS IN ZAMBIA /: IT'S EFFECTS ON ACCESS TO FINANCIAL SERVICES BY LOW INCOME HOUSEHOLDS IN ZAMBIA. (Noveember 2004)

2. Mobile Phones and Financial Services in Developing Countries : A Review of Concepts, Methods, Issues, Evidence and Future Research Directions /: A Review of Concepts, Methods, Issues, Evidence and Future Research Directions. (2009)

3. Assessing the Potential for Mobile Payments in Africa : Approaches and Evidence from Uganda /: Approaches and Evidence from Uganda. (2009)