TY  - BOOK
AU  - xn  irani
TI  - should  m-pesa  be regulated
PY  - 0000///162008///
CY  - nairobi  kenya
PB  - standard group
KW  - ICT
KW  - INVESTMENT
N2  - M- pesa is aworry of  banks today hence they  might  be  rendered irrelevant.and  m pesa is acreativity  , ingeunity and  innovativenes
ER  -