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10 Lee, I. S., "Separation of Banking and Commerce : Theoritical Evidence and Policy Direction" Sogang University
1 Financial Committee, "the Banking Law, Subparagraph 1 of Article 2"
2 Kang, S. W., "Trends in Mobile Banking Service-Focused on M-Pesa in Kenya" 161 : 73-77, 2015
3 BBG, "The Socio-Economic Impact of Mobile Financial Services : Analysis of Pakistan, Bangladesh, India, Serbia and Malaysia"
4 GSMA, "The Mobile Economy 2015" GSM Association 2015
5 "The Global Competitiveness Report 2015-2016" 2015
6 "The Fair Trade Commission"
7 Gikunda, R. M., "Socio-economic Effects of Mpesa Adoption on the Livelihoods of People in Bureti Sub County, Kenya" 4 (4): 348-360, 2014
8 Kang, S. W., "Separation of Banking and Commerce, the Financial Industry Competitiveness Imperative"
9 Oh, J. K., "Separation of Banking and Commerce Regulation Blocking the Finance Big Bang"
10 Lee, I. S., "Separation of Banking and Commerce : Theoritical Evidence and Policy Direction" Sogang University
11 Mbiti, I., "Mobile Banking :The Impact Of M-Pesa In Kenya" National Bureau of Economic Research 2011
12 Lee, S. J., "Legal Review for the Introduction of a Professional Domestic Internet Banking System" Korea Information Society Development Institute 2015
13 Kang, S. W., "International Status of Mobile Financial Services and It’s Role of the Mobile Financial Service Forum" 2015
14 Michael Joseph, "How Mobile Money is accelerating innovation in the developing world-A case study of M-PESA"
15 "Financial Committee"
16 Levine, R, "Finance and Growth : Theory and Evidence"
17 Lee, J. K., "Fair Trade Law"
18 White, E., "Explorations in Economic History" 1986
19 GSMA, "Enabling Mobile Money Policies in Kenya-Fostering a Digital Financial Revolution"
20 Financial Committee, "Electronic Financial Transactions Act Article 2, Paragraph, No. 8/2 subparagraph 1"
21 Kang, S. W., "Economics of Mobile Financial Service(MFS)" ICOFIS 2016
22 EIB(European Investment Bank), "Digital Financial Services in Africa : Beyond the Kenya Success Story"
23 Hwan, B. B., "Chinese ICT Companies Trends and Implications" Inter-Net & Security Focus 2015
24 Lee, M. H., "Causal Relationship Between Financial Development and Economic Growth :Focusing on the five Asian countries" 13 (13): 55-64, 2007
25 Jin, J. K., "Banking Law Revision Bill Review Report" the Political Affairs Committee 2015
26 Jo, J. R., "Bank Ownership Structure Improvement Plan for the Introduction of Internet Banking" bkl 2015
27 Lee, S. H., "An Effects of Separation of Banking and Commerce on Risk Seeking Behavior and Economic Performance" ERRI Issue and Analysis 2010