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HARVARD Citation

    Duncombe, R. et al. (2009) Mobile Phones and Financial Services in Developing Countries : A Review of Concepts, Methods, Issues, Evidence and Future Research Directions. [Online]. Manchester : Centre for Development Informatics, Institute for Development Policy and Management, SED, University of Manchester. Available from: http://access.bl.uk/ark:/81055/vdc_100055441350.0x000001
  
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