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Maurice McNaughton

Barriers to Entrepreneurship and Innovation: An Institutional Analysis of Mobile Banking in Jamaica and Kenya

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Growth in mobile phone penetration is one of the most significant
technological developments in human history, spurring a number of
innovations and entrepreneurial opportunities. Among these is the
conduct of monetary transactions via the mobile phone, which promises to
revolutionise access to financial services and opportunities for business
and entrepreneurship in developing countries. However, whereas mobile
banking via M-Pesa has revolutionised financial services and access in

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