Marketing research Articles Literature review:

1-Mobile Money for financial inclusion:

(Donovan Kevin,2011) This paper written by Donovan Kevin discusses the demand of mobile
phone banking in developed and developing economies, it also discusses the benefits and issues
relating mobile phone banking, Mobile phone banking is cheaper a research showed that in an
international comparison among 26 banks it is shown that branchless banking is 19% more
cheaper . The transfer of money is very beneficial for the poor. The issues that are threat to
mobile banking are fraud issues and technological issues which are more in developing
countries. The industry and government should support the mobile banking which could allow
the poor to use their money in more efficient way.

2- Mobile phones and financial services in Developing countries by
Richard Duncombe and Richard Boateng:
(Boateng Richard ,Duncombe Richard,2009), this paper discusses the concepts relating mobile
phone and financial services and it also addresses the issues , evidences and future researches
related to mobile phone banking. This paper goal is to improve the mobile phone financial
services and it is application delivery to the poor people. The issues regarding financial need of
people and news ways to deliver financial services are also addressed in this paper. The paper
fills the Gap to progress this research expansion in area of mobile phones and financial service in
developing countries . But there is a lack of geographical diversity and no research ios conducted
by financial institutions of developing country.
3- Mobile payment procedures scope and characteristics by Nina Kreyer
and Key poustchi and Klaus Turowski:
(Kreyer, Key and Klaus May 2002) This paper focuses on the procedures of mobile payments
that are categorize into strategic, participation and operational are and this paper focuses on
different payments methods Such as mobile commerce , electronic commerce , stationary
merchant and customer to customer. Different schemes are proposed in this paper for mobile
payment procedures. These schemes represents three types of applications 1- customers and
merchants could present their mobile payment procedure ,2- Mobile service providers can
represent their market expectations and 3- market particapants can use it for standardization.
The standardization could be attained by EDIFACT and the paper showed that universal mobile
payment system can be be maded possible by UMPS a universal payment system.

4- Bridges to cash Challenges for the retain end of mobile money by
Bogota:
(Bagota , November 2011) The paper focuses on methosds for the development of finanacial
services and to maximize welfare of people. It focuses on thje trend of expansion of network of
branches. The paper shows data of different geographical locations and represents customers in
rural , urban and main city markets. This paper shows data of daily transactions of clients. The
paper establishes the link between the outlet profitability with the better customer service. The
paper represents liquidity management in the city areas and the paper represents the cash
distribution challenges and it showed that agent liquidity management is very costly.