3AlmeidaH., M. Campello, and M. S. Weisbach.2004, "The Cash Flow Sensitivity of Cash," Journal of Finance, 59 (4) : 1777-1804.
4Beck T. and A. Demirguc-Kunt, 2008, "Access to Finance: an Unfinished Agenda," World Bank Economic Review, 22 (3) : 383-396.
5Claessens S., 2006, "Access to Financial Services : a Review of the Issues and Public Policy Objectives," World Bank Research Observer, 21 (2) : 207-240.
6Detnish A., C. Kneiding, P. Leishman, and I. Mas, 2011, "Branchless and Mobile Banking Solutions for the Poor: A Survey of the Literature," Innovations : Technology, Governance, Globalization, 6 (4) : 81-98.
8KhuranaL., X. Martin and R. Pereira, 2006, "Financial Development and the Cash Flow Sensitivity of Cash," Journal of Financial and Quantitative Analysis, 41 (4) : 787-807.
9Lechman E. and A. Marszk, 2015, "ICT Technologies and Financial Innovations: The Case of Exehange Traded Funds in Brazil, Japan, Mexico, South Korea and the United States," Technol. Forecast. Soc. Change, http://dx, doi. org/ 10. 1016/j. techfore. 2015.01. 006.
10Martin J, H. D. Eduardo, Z. Felipe, and P. C. Tania, 2012, "Groups of Services Delivered by Brazilian Branchless Banking and Respective Network Integration Models," Electronic Commerce Research and Applications, 11 ( 5 ) : 504- 517.