This article shows the impact of the growing adoption of mobile phones in the field of money transfer in Africa but also their uses in the field of retail payments or micropayments that is financial transaction from person to person (P2P) for small amounts. We show how these innovations will continue to improve the quality of life of Africans especially those in rural areas. We present M-Pesa a...

There is strong evidence that monetary transfers within networks of family members and friends are central to household risk sharing strategies and potentially to informal credit systems as well. In recent years, mobile money services that allow individuals to transfer purchasing power via short messaging service (SMS) have captured the attention of researchers, in part because they have the po...

Mobile financial services has brought a revolution in developing nations. More and more people from the rural areas are now using financial services provided by mobile phones. Though still in its infancy its potential is tremendous. Mobile payment services have made it easy n cost effective to transfer money from one corner of the world to another improving the lives of many underprivileged wor...

A novel enzyme immobilization platform was prepared on a platinum disk working electrode by polymerizing aniline inside the interstitial pores of polyester sulphonic acid sodium salt (PESA). Scanning electron microscopy study showed the formation of homogeneous sulphonated polyaniline (PANI) nanotubes (∼90 nm) and thermogravimetric analysis (TGA) confirmed that the nanotubes were stable up to 2...

In this paper we describe the CMU statistical machine translation system used in the IWSLT 2005 evaluation campaign. This system is based on phrase-to-phrase translations extracted from a bilingual corpus. We experimented with two different phrase extraction methods; PESA on-the-fly phrase extraction and alignment free extraction method. The translation model, language model and other features ...

Existe poca evidencia empírica sobre la relación entre el involucramiento del producto desde abordaje consumidor; en especial, cuando se habla sector de venta minorista implementos deportivos.
 Esta investigación tiene como objetivo determinar grado los consumidores ciudad Santiago Cali, lo cual permitirá a las Empresas país, ofrecer nuevas líneas productos acuerdo con características dise...