Acemoglu, D., & Robinson, J. A. ( 2012). Why Nations Fail: The Origins of Power, Prosperity, and Poverty . Crown Business.

Institutional Theory Development

Bauman, Z. ( 2013). Liquid Modernity . Polity Press.

Institutional Theory

Tapscott, D., & Tapscott, A. ( 2016). Blockchain Revolution: How the Technology Behind Bitcoin Is Changing Money, Business, and the World . Penguin.

Blockchain

Jack, W., & Suri, T. ( 2014). Risk Sharing and Transactions Costs: Evidence from Kenya's Mobile Money Revolution . American Economic Review , 104 (1), 183-223.

Mobile Money

Russell, S., & Norvig, P. ( 2021). Artificial Intelligence: A Modern Approach . 4th ed. Pearson.

Ai

Couldry, N., & Mejias, U. A. ( 2019). The Costs of Connection: How Data Is Colonizing Human Life and Appropriating It for Capitalism . Stanford University Press.

Governance

World Bank ( 2017). The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution . World Bank Group.

Mobile Money Development

Khanna, T., & Palepu, K. G. ( 2010). Winning in Emerging Markets: A Road Map for Strategy and Execution . Harvard Business Press.

Institutional Theory Development

Mezirow, J. ( 1997). Transformative Learning: Theory to Practice . New Directions for Adult and Continuing Education , 74 , 5-12.

Development

GSMA ( 2023). The State of Mobile Money 2023 . GSM Association.

Mobile Money