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Acknowledgements
This report has been written by Rory Macmillan, Partner, Macmillan Keck Attorneys &
Solicitors. It has the benefit of input and comment from Fredesvinda Montes of the World
Bank, Isabelle Barres of the Center for Financial Inclusion, Juliet Maina of the GSMA,
Andrew Reiskind of Mastercard, as well as numerous other persons from financial service
providers and other organizations.
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