References
Allen, F., Carletti, E., Cull, R., Qian, J., Senbet, L., & Valenzuela, P. (2014). The African financial development and financial inclusion gaps. Journal of African Economies, 23(5), 614-642. Allen, F., Demirguc-Kunt, A., Klapper, L., & Martinez Peria, M. S. (2016). The foundations of financial inclusion: Understanding ownership and use of formal accounts. Journal of Financial Intermediation, 27, 1-30. Anichukwueze, C. C., Osuji, V. C., & Oguntegbe, E. E. (2021). Blockchain-based architectures for tamper-proof regulatory recordkeeping and real-time audit readiness. International Journal of Multidisciplinary Research and Growth Evaluation, 2(6), 485-504. Aron, J. (2018). Mobile money and the economy: A review of the evidence. The World Bank Research Observer, 33(2), 135-188. Ayres, I., & Braithwaite, J. (1992). Responsive regulation: Transcending the deregulation debate. Oxford University Press. Baldwin, R., Cave, M., & Lodge, M. (2012). Understanding regulation: Theory, strategy, and practice (2nd ed.). Oxford University Press. Basel Committee on Banking Supervision. (2001). Customer due diligence for banks. Bank for International Settlements. Beck, T., & Cull, R. (2014). Banking in Africa. In A. N. Berger, P. Molyneux, & J. O. S. Wilson (Eds.), The Oxford handbook of banking (2nd ed.). Oxford University Press. Beck, T., Demirguc-Kunt, A., & Levine, R. (2007). Finance, inequality and the poor. Journal of Economic Growth, 12(1), 27-49. Beck, T., Pamuk, H., Ramrattan, R., & Uras, B. R. (2018). Payment instruments, finance and development. Journal of Development Economics, 133, 162-186. Black, J. (2008). Forms and paradoxes of principles-based regulation. Capital Markets Law Journal, 3(4), 425-457. Black, J., & Baldwin, R. (2010). Really responsive risk-based regulation. Law & Policy, 32(2), 181-213. Bromley, P., & Powell, W. W. (2012). From smoke and mirrors to walking the talk: Decoupling in the contemporary world. Academy of Management Annals, 6(1), 483-530. Bester, H., Chamberlain, D., de Koker, L., Hougaard, C., Short, R., Smith, A., & Walker, R. (2008). Implementing FATF standards in developing countries and financial inclusion: Findings and guidelines. Genesis Analytics for the FIRST Initiative. Choo, K.-K. R. (2008). Politically exposed persons : Risks and mitigation. Journal of Money Laundering Control, 11(4), 371-387. Committee on Payments and Market Infrastructures. (2016). Correspondent banking. Bank for International Settlements. de Koker, L. (2006). Money laundering control and suppression of financing of terrorism: Some thoughts on the impact of customer due diligence measures on financial exclusion. Journal of Financial Crime, 13(1), 26-50. de Koker, L. (2009). Identifying and managing low money laundering risk: Perspectives on FATF's risk-based guidance. Journal of Financial Crime, 16(4), 334-352. de Koker, L. (2011). Aligning anti-money laundering, combating of financing of terror and financial inclusion: Questions to consider. Journal of Financial Crime, 18(4), 361-386. de Koker, L., & Jentzsch, N. (2013). Financial inclusion and financial integrity: Aligned incentives? World Development, 44, 267-280. E-ISSN 2695-186X , www.iiardpub.org Demetis, D. S., & Angell, I. O. (2007). The risk-based approach to AML: Representation, paradox, and the regulatory law. Journal of Money Laundering Control, 10(4), 412-428. Demirguc-Kunt, A., Klapper, L., Singer, D., & Van Oudheusden, P. (2015). The Global Findex Database 2014: Measuring financial inclusion around the world (Policy Research Working Paper No. 7255). World Bank. Demirguc-Kunt, A., Klapper, L., Singer, D., Ansar, S., & Hess, J. (2018). The Global Findex Database 2017: Measuring financial inclusion and the fintech revolution. World Bank. DiMaggio, P. J., & Powell, W. W. (1983). The iron cage revisited: Institutional isomorphism and collective rationality in organizational fields. American Sociological Review, 48(2), 147- 160. Donovan, K. (2012). Mobile money for financial inclusion. In Information and communications for development 2012: Maximizing mobile (pp. 61-73). World Bank. Fadayomi, O., Bello, A. D., Elebe, O., Hammed, N. I., & Omoegun, G. O. (2021). An integrated cybersecurity and anti-money laundering governance framework for financial crime prevention. ResearchGate. Ferwerda, J. (2009). The economics of crime and money laundering: Does anti-money laundering policy reduce crime? Review of Law & Economics, 5(2), 903-929. Financial Action Task Force. (2012). International standards on combating money laundering and the financing of terrorism and proliferation: The FATF recommendations. FATF. Financial Action Task Force. (2013). FATF guidance: Politically exposed persons (Recommendations 12 and 22). FATF. Gabor, D., & Brooks, S. (2017). The digital revolution in financial inclusion: International development in the fintech era. New Political Economy, 22(4), 423-436. Gelb, A., & Clark, J. (2013). Identification for development: The biometrics revolution (Working Paper No. 315). Center for Global Development. Halliday, T., Levi, M., & Reuter, P. (2014). Global surveillance of dirty money: Assessing assessments of regimes to control money laundering and combat the financing of terrorism. Center on Law and Globalization. Honohan, P. (2008). Cross-country variation in household access to financial services. Journal of Banking & Finance, 32(11), 2493-2500. Jack, W., & Suri, T. (2011). Mobile money: The economics of M-PESA (Working Paper No. 16721). National Bureau of Economic Research. Jack, W., & Suri, T. (2014). Risk sharing and transactions costs: Evidence from Kenya's mobile money revolution. American Economic Review, 104(1), 183-223. Levi, M. (2002). Money laundering and its regulation. The Annals of the American Academy of Political and Social Science, 582(1), 181-194. Levi, M., & Reuter, P. (2006). Money laundering. Crime and Justice, 34(1), 289-375. Masciandaro, D. (1999). Money laundering: The economics of regulation. European Journal of Law and Economics, 7(3), 225-240. Mbiti, I., & Weil, D. N. (2015). Mobile banking: The impact of M-Pesa in Kenya. In S. Edwards, S. Johnson, & D. N. Weil (Eds.), African successes, volume III: Modernization and development (pp. 247-293). University of Chicago Press. Mbonu, I. S., Iwuanyanwu, U., Aliliele, C., & Uzoka, E. (2021). A review of VoIP forensic analytics models for financial fraud detection and regulatory compliance monitoring. International Journal of Multidisciplinary Research and Growth Evaluation, 2(6), 711-730. E-ISSN 2695-186X , www.iiardpub.org Mecagni, M., Marchettini, D., & Maino, R. (2015). Evolving banking trends in Sub-Saharan Africa: Key features and challenges. International Monetary Fund. Meyer, J. W., & Rowan, B. (1977). Institutionalized organizations: Formal structure as myth and ceremony. American Journal of Sociology, 83(2), 340-363. North, D. C. (1990). Institutions, institutional change and economic performance. Cambridge University Press. Okafor, C. M., Osuji, V. C., & Dako, O. F. (2021). Fintech-enabled transformation of transaction banking and digital lending as a catalyst for SME growth and financial inclusion. International Journal of Multidisciplinary Research and Growth Evaluation, 2(6), 485-504. Pol, R. F. (2020). Anti-money laundering: The world's least effective policy experiment? Together, we can fix it. Policy Design and Practice, 3(1), 73-94. Reuter, P., & Truman, E. M. (2004). Chasing dirty money: The fight against money laundering. Institute for International Economics. Scott, W. R. (2008). Institutions and organizations: Ideas and interests (3rd ed.). Sage. Sharman, J. C. (2008). Power and discourse in policy diffusion: Anti-money laundering in developing states. International Studies Quarterly, 52(3), 635-656. Sharman, J. C. (2011). The money laundry: Regulating criminal finance in the global economy. Cornell University Press. Sharman, J. C. (2017). The despot's guide to wealth management: On the international campaign against grand corruption. Cornell University Press. Suri, T., & Jack, W. (2016). The long-run poverty and gender impacts of mobile money. Science, 354(6317), 1288-1292. Takats, E. (2011). A theory of 'crying wolf': The economics of money laundering enforcement. Journal of Law, Economics, and Organization, 27(1), 32-78. Tsingou, E. (2010). Global financial governance and the developing anti-money laundering regime: What lessons for international political economy? International Politics, 47(6), 617-637. World Bank. (2015). Withdrawal from correspondent banking: Where, why, and what to do about it. World Bank.
