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Demirgüç-Kunt, A., & Klapper, L. (2012). The Global Findex Database: Financial Inclusion in Sub-Saharan Africa. Findex Notes, No. 2, World Bank Group.
http://documents.worldbank.org/curated/en/179951468009579540/The-Global-Findex-database-financial-inclusion-in-Sub-Saharan-Africa
https://doi.org/10.1596/1813-9450-6088

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