In today’s increasingly dynamic global economy, many industrialized nations are developing comparative advantages that are derived from human effort rather than natural status in their export industries. This is evidenced by a global pattern of shifting man-made comparative advantages over...

The importance of widespread access to suitable financial services for the populace in fostering economic vitality is well recognized. Regrettably, much of the developing world experiences a relative scarcity of crucial financial services in rural and semi-urban areas. With estimated mobile...