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Havinga, Paul J. M., Smit, Gerard J. M and Helme, Arne. Survey of Electronic Payment Methods and Systems. 22 June 2004. http://wwwhome.cs.utwente.nl/~havinga/papers/e- money.pdf
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Hu, Wen-Chen, Chung-wei Lee, and Weidong Kou. "Advances in Security and Payment Methods for Mobile Commerce." 17 April 2004. 30 May 2005. <http://www.idea-group.com/books/additional.asp?id=4507&title=Preface&col=preface>.
Secure Mobile Payment Service
Methods of Payment and Export (n.d.). Bizmove.com, Retrieved December, 2003 from: http://www.bizmove.com/export/m7m.htm
Trading with Ethiopia
Levine, A, (2001). The five research methods. Research Methods in Social and Natural Sciences. Retrieved October 29, 2004 from Maricopa Center for Learning and Instruction. Web site: http://www.mcli.dist.maricopa.edu/proj/res_meth/login.html.
Research Designs
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