1. !For!a!case!study!of!this!experience,!see!"Creating!cashless!cotton!payments!with!Zoona:!a!TechnoB Links!case!study;!MEDA,2013
2. ! ? Organic#evolution:!encouraging!banks!to!experiment!with!and!incrementally!develop! DFS!solutions!for!their!customers,!while!avoiding!the!risk!of!them!stalling!due!to! shortBterm!;!The!system!is!based!on!Banco!Davivienda�s!mobile!payments!system,!Daviplata.!See