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mikrokredi mobile silaoglu payment farming gsma contactless adil ticaret nfc mikrobor tgmp ict 20100101 mobile payment marketing bill invoice 20080101 development mobile payments sepa banking ubiquitous mikro borc novica entegrasyon kiva zm innovabank mobile banking mobile money doktor mortgage refinansman sarper tisva yoksulluk retailers application ibeacon mobile marketing beacon bluetooth shopping mall sosyal borc arts facebook mikroborc survey retailing cash in aggregator agent cash out anti monet laundering bearer itif africa organic business model contactless commerce ubiquious proximity smartcard m-gen gen y mobile generation gen m vas china hamburg m-commerce analysis emerging risk management business pay buy mobile case studies gift card internet safety 20100601 living internet tsm mobile contactless payments european payment council europe tax poverty social entrepreneurship poverty alleviation 20091112 comviva innovation virtual sim 20050101 business plan pro business plan micro credit 20090501 remittances 19990101 receipt 20060814 model 20070201 telecom 2015 prepaid first data commercial electronic alternative channel remittance channel 20080104 contexual 20080303 coding lending social banking 20081010 social media abuse online children safety act recommendations mobbing youth bullying innopay e-invoice abe eba epc mobile government akbank nfc bkm turkcell avea alc ifti biliim tarla internet ttn hindistan ekim fiyat kiosk future retail banking sosyal btnlk servtag rotary kurueme botego friendticker mikro bor btnlk butunluk potansiyel sosyal giriim 14milyon frsat mikro giriimci gen profesyoneller iletiim frsat eitlii sosyal bor sosyal ticaret mikropazar sosyal kalknma saysal blnme cap okan university mobile life uzaktan deme mobil bankaclk mikro deme mobil deme ev kredisi mortgage kullandrm banka doktormortgage konut kredisi bankalar rapor blnme evrensel eitim bankaclk finans fonu devlet operator hizmet mobil salk sanal yoksullar saysal mikro hood sherwood aziz robin akgul mikro kredi fakirler