Typed states for the displayed outbound observations.
Source: paper_references, paper_reference_links, observed 2026-08-11T04:36:19.072458Z
Paper Citation Record · LEDGER
As of 19 August 2026, this Paper Citation Record lists 100 of 130 outbound references and 0 inbound Pith citation observations for arXiv:2412.18716.
A citation records a reference. It does not transfer a finding from one paper to another.
Typed states for the displayed outbound observations.
Source: paper_references, paper_reference_links, observed 2026-08-11T04:36:19.072458Z
One-hop event checks from named stored sources.
Source: scholarly_work_events, retraction_status_cache, observed 2026-08-19T06:32:44.657259+00:00
Pith citing papers itemized under the disclosed page cap.
Source: paper_references, paper_reference_links
A source-named dated measurement, never combined with another source.
Source: cited_works
100 of 130 outbound references displayed
External citation measurements
No source-named external measurement is stored.
Observation 7581ef4b-ff6a-4e2b-89cd-5ce857d897e8 · outbound
Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya https://www.safa ricom.co.ke/media-center-landing/frequentl y-asked-questions/jitambulishe-voice-biome trics
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya How Tala Mobile Is Using Phone Data To Revolutionize Microfinance, 2016
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Observation 9ff0239e-2bf9-4e8e-8e03-0c367a2dee57 · outbound
Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Predatory Loan Mo- bile Apps in India: A New Form of Cyber Psychological Manipulation
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Mobile Money, Financial Inclusion and Develop- ment: A Review With Reference to African Experience
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya A Decade of Privacy-Relevant Android App Reviews: Large Scale Trends
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Are FinTech lending apps harmful? Evidence from user experience in the Indian market
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya On the possibility of a cash-like CBDC
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Central bank digital currency: The quest for minimally invasive technology
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Regulators, Mount Up! Analysis of Privacy Policies for Mobile Money Services
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Observation f5c5a1db-34b2-4b9f-b841-ad3d60200a0d · outbound
Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Sherman, Kevin R
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Bulletproofs: Short Proofs for Confidential Transactions and More
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Let’s talk money: Evalu- ating the security challenges of mobile money in the developing world
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya The role of gender in agent banking
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Security anal- ysis of mobile money applications on android
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Information privacy and correlates: an empirical attempt to bridge and distinguish privacy-related concepts
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Mobile money for financial inclu- sion
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Demo- graphic bias in biometrics: A survey on an emerging challenge
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Observation 48a92cee-bee8-49ef-a1a7-5acb0b064eda · outbound
Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Tech Startups Are Flooding Kenya With Apps Offering High-Interest Loans, Feb 2020
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Identifying and Verify- ing Customers: When are KYC Requirements Likely to Become Constraints on Financial Inclusion? Technical report, Center for Global Development, 2019
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Singpass app
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya The state of the industry report on mobile money 2024
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya 2.5 billion people around the world don’t have a credit score-here’s why that’s a problem, Aug
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Mobile money: The eco- nomics of M-PESA
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Overcoming the know your cus- tomer hurdle: Innovative solutions for the mobile money sector
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Verifiable creden- tials in the token economy
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya User Experiences with Third-Party SIM Cards and ID Registration in Kenya and Tanzania
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Digital divide: Who in africa is connected and who is not
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Internet users’ information privacy concerns (iuipc): The construct, the scale, and a causal model
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Exclusion and in- clusion in identification: Regulation, displacement and data justice
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Mobile money accounts are surging globally, especially in africa and asia - our world in data
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Observation f775790c-63a4-447a-8c3d-a96d15c64a0d · outbound
Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya A Survey on Decentralized Identifiers and Verifiable Credentials
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Reliability and Inter-Rater Reliability in Qualitative Re- search: Norms and Guidelines for CSCW and HCI Prac- tice
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Observation 557cb062-5e78-46b9-82d3-98452e73ce1d · outbound
Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Zerocoin: Anonymous distributed e- cash from bitcoin
Reference 33
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya The dark side of mobile money: Perspectives from an emerg- ing economy
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Observation 7b24fb16-dcd3-408e-90a3-3804c690a80f · outbound
Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Transaction authorization from Know Your Customer (KYC) information in online banking
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Desperate Times Call for Desperate Measures
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Know-Your-Customer measures: mitigating money-laundering risks in mobile banking transactions
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya A terminol- ogy for talking about privacy by data minimization: Anonymity, Unlinkability, Undetectability, Unobserv- ability, Pseudonymity, and Identity Management, 2010
Reference 39
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya How platform-user power relations shape algorithmic accountability: A case study of instant loan platforms and financially stressed users in india
Reference 40
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Mo (bile) money, mo (bile) problems: Analysis of branchless banking applications.ACM TOPS, 20(3):1– 31, 2017
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Pochi La Biashara: Frequently asked ques- tions
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Demystifying the misery behind loan apps in india
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Zerocash: Decentralized anonymous payments from bitcoin
Reference 44
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Are our IDs safe in MTN Momo Agents’ hands? — thebftonline.com
Reference 45
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya The Role of User-Agent Interactions on Mobile Money Practices in Kenya and Tanzania
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Mobile money policy and regulatory handbook 2024
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Kenya: registered mobile money accounts 2021-
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Stronger digital voices from africa: Building african digital foreign pol- icy and diplomacy
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Digital identity guidelines: Identity proofing and enrollment
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya M-pesa – africa’s leading fintech platform – marks 15 years of transforming lives
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya In- formation privacy concerns: Linking individual percep- tions with institutional privacy assurances
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Access to mobile services and proof of identity 2021
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Unresolved cited work
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Unresolved cited work
Reference 58
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Unresolved cited work
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Unresolved cited work
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Reference 62
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Unresolved cited work
Reference 63
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Observation c2c0a003-9a06-423f-8aa6-a2c7237f9dc0 · outbound
Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Unresolved cited work
Reference 64
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Observation 670b45c5-d318-4e61-b9c6-ba1e277820c5 · outbound
Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya They will follow the process that I have just demonstrated to register and authenticate themselves
Reference 65
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Observation 9cb1627d-4b84-4451-943f-30d46eccfebc · outbound
Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Unresolved cited work
Reference 66
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Observation cb3e6509-3222-4667-b829-cefea10880e0 · outbound
Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Unresolved cited work
Reference 67
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Unresolved cited work
Reference 68
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Unresolved cited work
Reference 69
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya As an agent, given the option to educate customers on one of these methods, which one would you point them to? Why?
Reference 70
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Observation 33c697ab-601a-4b70-8c44-f4b6f4d56a5d · outbound
Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Unresolved cited work
Reference 71
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Observation 7c6ccbe6-93af-4699-b48a-08b3a7aeb4ac · outbound
Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Unresolved cited work
Reference 72
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Observation b91a747d-edba-4def-86e4-4e9e19cd0a0d · outbound
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Reference 73
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Observation d3065020-7e5c-4d7d-b043-d508947e412b · outbound
Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Unresolved cited work
Reference 74
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya I will enter my phone number
Reference 75
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Observation ef7c4f11-18ca-4891-9c12-ba8a828881dd · outbound
Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Unresolved cited work
Reference 76
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Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Unresolved cited work
Reference 77
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Observation cbf2099f-28ed-44e8-82af-e05c5db64f1d · outbound
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Reference 78
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Observation a7238538-288d-457f-9051-67e3e90f17c5 · outbound
Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Unresolved cited work
Reference 79
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Observation 536b5deb-9623-4002-a06c-62a616d94c99 · outbound
Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Unresolved cited work
Reference 80
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Observation 05ac6cb3-6fbc-4070-815b-9affedaa4de3 · outbound
Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Unresolved cited work
Reference 81
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Observation e6226768-b75c-4f60-8262-61cedde3ba20 · outbound
Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya [Researcher’s note: Show the Swahili or English message depending on what language participant uses for their MoMo]
Reference 82
Source-reported events for the cited work
No event found in the named queried sources as of 2026-08-19T06:32:44.657259+00:00.
Observation 6577e72c-51b6-407f-a3f3-473079927a99 · outbound
Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Unresolved cited work
Reference 83
Source-reported events for the cited work
No event found in the named queried sources as of 2026-08-19T06:32:44.657259+00:00.
Observation c5e310ea-e938-40fd-b023-8ddcced62ff1 · outbound
Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Unresolved cited work
Reference 84
Source-reported events for the cited work
No event found in the named queried sources as of 2026-08-19T06:32:44.657259+00:00.
Observation 0a3ad692-dc77-41fb-8fdb-957b71665c91 · outbound
Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Unresolved cited work
Reference 85
Source-reported events for the cited work
No event found in the named queried sources as of 2026-08-19T06:32:44.657259+00:00.
Observation 7e97ce30-7608-4294-ad77-680a82d5d490 · outbound
Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Unresolved cited work
Reference 86
Source-reported events for the cited work
No event found in the named queried sources as of 2026-08-19T06:32:44.657259+00:00.
Observation 73d42f74-560b-4902-9bec-cc67b177712d · outbound
Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Unresolved cited work
Reference 87
Source-reported events for the cited work
No event found in the named queried sources as of 2026-08-19T06:32:44.657259+00:00.
Observation ea21a6bf-40b3-48dd-85c2-80ae86eaa4b7 · outbound
Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Unresolved cited work
Reference 88
Source-reported events for the cited work
No event found in the named queried sources as of 2026-08-19T06:32:44.657259+00:00.
Observation 19e3520e-a8e9-4bed-acd9-97a024490918 · outbound
Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Unresolved cited work
Reference 89
Source-reported events for the cited work
No event found in the named queried sources as of 2026-08-19T06:32:44.657259+00:00.
Observation bf59862a-3432-4451-bdd8-3ebfaace5099 · outbound
Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Why? What makes their option better for you?
Reference 90
Source-reported events for the cited work
No event found in the named queried sources as of 2026-08-19T06:32:44.657259+00:00.
Observation 1f62bad9-662d-4aa5-b7ad-1fe23a50ef4f · outbound
Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Unresolved cited work
Reference 91
Source-reported events for the cited work
No event found in the named queried sources as of 2026-08-19T06:32:44.657259+00:00.
Observation 4c2c09ef-cae9-4654-bf70-c16188884b29 · outbound
Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Unresolved cited work
Reference 92
Source-reported events for the cited work
No event found in the named queried sources as of 2026-08-19T06:32:44.657259+00:00.
Observation 03bba437-a191-4437-95cf-1a4ff8d921a5 · outbound
Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Unresolved cited work
Reference 93
Source-reported events for the cited work
No event found in the named queried sources as of 2026-08-19T06:32:44.657259+00:00.
Observation 72718a4e-1573-4394-9e71-bad86f13dc14 · outbound
Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya We have one more task, but before you start, I would like to ask some questions to help me understand how people use MoMo
Reference 94
Source-reported events for the cited work
No event found in the named queried sources as of 2026-08-19T06:32:44.657259+00:00.
Observation 85b06cbb-2d1f-4fe6-a9e7-91b7e0c31340 · outbound
Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Unresolved cited work
Reference 95
Source-reported events for the cited work
No event found in the named queried sources as of 2026-08-19T06:32:44.657259+00:00.
Observation 78cde582-a203-4560-b621-9a3bc6162c46 · outbound
Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya During this task, you might encounter some screens where we use X to hide part of the phone number and only show the last 4 digits like this (show sample screen)
Reference 96
Source-reported events for the cited work
No event found in the named queried sources as of 2026-08-19T06:32:44.657259+00:00.
Observation 771dc0ce-b140-405a-8094-475096750525 · outbound
Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Unresolved cited work
Reference 97
Source-reported events for the cited work
No event found in the named queried sources as of 2026-08-19T06:32:44.657259+00:00.
Observation d9d4815b-6d1e-401e-843f-ddbf0aefc01c · outbound
Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Unresolved cited work
Reference 98
Source-reported events for the cited work
No event found in the named queried sources as of 2026-08-19T06:32:44.657259+00:00.
Observation 742a5150-1531-47b1-8a5d-08b3488c980c · outbound
Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Unresolved cited work
Reference 99
Source-reported events for the cited work
No event found in the named queried sources as of 2026-08-19T06:32:44.657259+00:00.
Observation 1bf9a430-7227-4f5a-ba19-f701e92099ce · outbound
Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Unresolved cited work
Reference 100
Source-reported events for the cited work
No event found in the named queried sources as of 2026-08-19T06:32:44.657259+00:00.
Observation 3966a641-5a19-4d8d-bae0-f96e384c2ee9 · outbound
Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Unresolved cited work
Reference 101
Source-reported events for the cited work
No event found in the named queried sources as of 2026-08-19T06:32:44.657259+00:00.
Observation 0b1d224d-6650-4d8b-a811-883f363bb2d6 · outbound
Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Unresolved cited work
Reference 102
Source-reported events for the cited work
No event found in the named queried sources as of 2026-08-19T06:32:44.657259+00:00.
Observation bb144910-9542-4d43-be3b-7741ef1312a6 · outbound
Design and Evaluation of Privacy-Preserving Protocols for Agent-Facilitated Mobile Money Services in Kenya Unresolved cited work
Reference 103
Source-reported events for the cited work
No event found in the named queried sources as of 2026-08-19T06:32:44.657259+00:00.
No inbound Pith citation observations are available.