5Beck, T., Demirguc-Kunt, A., Martinez Peria, M.S.Reaching out Access to and Use of Banking Services across CountriesJ2.Journal of Financial Economics, 2007,85 ( 1 ) 234 -266.
6Boston Consulting Group.The Socio-economic Impact of Mobile Financial Services Analysis of Pakistan,Ban gladesh, India, Serbia and MalaysiaEZ.Working Paper, 2011.
7Shamin, F.The ICT Environment, Financial Sector and Economic Growth:A Cross-country Analysis[J].Jour nal of Economic Studies,2007,34(4) .352- 370.
8Andrianaivo, M., Kpodar,K.Mobile Phones,Financial Inclusion and Growth[J].Review o{ Economics and In- stitutions, 2012,3(4) : 1-30.