@book{5911,
	author = {GSMA (Organization)‏},
	title = {State of the Industry Report on Mobile Money 2019 },
	publisher = {GSM Association,},
	year = {2020},
	address = {London :},
	url = {https://www.gsma.com/sotir/wp-content/uploads/2020/03/GSMA-State-of-the-Industry-Report-on-Mobile-Money-2019-Full-Report.pdf},
}