Trends in Telecommunication Reform 2010-11 145 Sources: CCK, Interconnection Determination No.2 of 2010, Determination on interconnections rates for fixed and mobile tele-communications networks, infrastructure sharing and co-location; and broadband interconnection services in Kenya; Gunnar Camner, Caroline Pulver and Emil Sjöblom, What Makes a Successful Mobile Money Implementation? Learnings from M-PESA in Kenya and Tanzania, GSMA. Olga Morawczynski and Mark Pickens, Poor People Using Mobile Financial Services: Observations on Customer Usage and Impact from M-PESA, CGAP Brief (August 2009) at www.cgap.org/gm/document-1.9.36723/BR_Poor_People_Using_Mobile_Financial_Services.pdf. 146 Claire Alexandre, Ignacio Mas and Dan Radcliffe, Regulating New Banking Models that can Bring Financial Services to All, Bill & Melinda Gates Foundation (August 2010) at www.microfinancegateway.org/gm/document-1.9.46229/Regulating%20New%20Banking%20Models82010.pdf. 147 Ibid. 148 Michael Tarazi and Paul Breloff, Nonbank E-Money Issuers: Regulatory Approaches to Protecting Customer Funds, CGAP Focus Note No. 63 (July 2010) at www.cgap.org/gm/document-1.9.45715/FN63_Com.pdf. 149 Ibid. Chapter 3 121