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http://www.cgap.org/publications/enabling-customer-empowerment-choice-use-and-voicehttp://www.cgap.org/news/new-cgap-research-reports-latest-innovations-digital-financehttp://www.cgap.org/news/new-cgap-research-reports-latest-innovations-digital-financehttp://www.cgap.org/news/new-cgap-research-reports-latest-innovations-digital-financehttp://www.cgap.org/news/new-cgap-research-reports-latest-innovations-digital-financehttp://www.cgap.org/news/new-cgap-research-reports-latest-innovations-digital-finance

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https://hbr.org/2013/05/make-these-changes-to-help-dighttps://hbr.org/2013/05/make-these-changes-to-help-dighttp://www.worldbank.org/en/publication/wdr2015http://www.worldbank.org/en/publication/wdr2015http://gafis.net/wp-content/uploads/2014/12/GAFIS-Focus-Note-5_Dec2014.pdfhttp://gafis.net/wp-content/uploads/2014/12/GAFIS-Focus-Note-5_Dec2014.pdf