@article{ref1,
title="KENYA: Mobile Banking",
journal="Africa research bulletin: economic, financial and technical series",
year="2008",
author="",
volume="45",
number="8",
pages="17957A-17957C",
abstract="<p>[Abstract unavailable]</p>",
language="",
issn="0001-9852",
doi="10.1111/j.1467-6346.2008.01895.x",
url="http://dx.doi.org/10.1111/j.1467-6346.2008.01895.x"
}