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• 2014Mobile Money, Smallholder Farmers, and Household Welfare in Kenya266 cited
• 2017Can Mobile Money Help Firms Mitigate the Problem of Access to Finance in Eastern sub-Saharan Africa?254 cited
• 2011Triggers and barriers to financial inclusion: The use of ICT-based branchless banking in an Amazon county236 cited
• 2011Branchless and Mobile Banking Solutions for the Poor: A Survey of the Literature110 cited
• 2017Adoption of mobile money and financial inclusion: a macroeconomic approach through cluster analysis108 cited
• 2012Inclusive Financial Markets: Is Transformation Under Way in Kenya?77 cited
• 2018Mobile banking in the government-to-person payment sector for financial inclusion in Pakistan74 cited
• 2018M‐Pesa and the ‘Market‐Led’ Approach to Financial Inclusion73 cited
• 2017Mobile Money and Payment: A Literature Review Based on Academic and Practitioner - Oriented Publications (2001 - 2011)72 cited
• 2018Financial innovations and bank performance in Kenya: Evidence from branchless banking models69 cited
• 2020Simulation of the effect of COVID-19 outbreak on the development of branchless banking in Iran: case study of Resalat Qard–al-Hasan Bank57 cited
• 2014Mobile payments: a scoping study of the literature and issues for future research55 cited
• 2017The Effect of Branchless Banking Strategy on the Financial Performance of Commercial Banks in Kenya