Somalia has been without effective state institutions since 1991. Over the past two decades, moderately effective state-like institutions have been rebuilt in Somaliland and Puntland in northern Somalia, but they do not enjoy international recognition and are limited in power and scope. This...

As a function of the digitized world that we live in and the idea about a cashless society, we have experienced how the phenomenon mobile payments has grown in recent years. The work carried out in order to create electronic payment systems for implementation in situations where cash typically...