Hussain , A H M Belayeth. “Financial Inclusion through Mobile Micro Banking: Building a Prototype for Transaction Cost Efficiency in Microfinance Practice”. Global Disclosure of Economics and Business 6, no. 1 (June 30, 2017): 19–28. Accessed November 21, 2024. https://i-proclaim.my/journals/index.php/gdeb/article/view/113.