1. Bank of Ghana. 2008. GUIDELINES FOR BRANCHLESS BANKING - NOTICE TO BANKS AND SAVINGS AND LOANS COMPANIES. (2008). Bank of Ghana. 2008. GUIDELINES FOR BRANCHLESS BANKING - NOTICE TO BANKS AND SAVINGS AND LOANS COMPANIES. (2008).
2. Baraka W. Nyamtiga Anael Sam and Loserian S. Laizer. 2013. Security Perspectives For USSD Versus SMS In Conducting Mobile Transactions: A Case Study Of Tanzania. (2013). https://pdfs.semanticscholar.org/9408/b82cc059e5f10b6aca19b66cf224aee4adee.pdf?_ga=2.26719482.639468458.1519970956-319140991.1517613430 Baraka W. Nyamtiga Anael Sam and Loserian S. Laizer. 2013. Security Perspectives For USSD Versus SMS In Conducting Mobile Transactions: A Case Study Of Tanzania. (2013). https://pdfs.semanticscholar.org/9408/b82cc059e5f10b6aca19b66cf224aee4adee.pdf?_ga=2.26719482.639468458.1519970956-319140991.1517613430
3. Nana Boakye-Yiadom. 2016. Economics of mobile money and financial inclusion: Bank of Ghana at the forefront of regulations. (April 2016). http://citifmonline.com/2016/04/13/economics-mobile-money-financial-inclusion-bank-ghana-forefront-regulations/ Nana Boakye-Yiadom. 2016. Economics of mobile money and financial inclusion: Bank of Ghana at the forefront of regulations. (April 2016). http://citifmonline.com/2016/04/13/economics-mobile-money-financial-inclusion-bank-ghana-forefront-regulations/