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rabobank takashi mobile rabo mobiel dan armstrong rabo development mobile banking takashi nfc nmb mobile payments bpr zanaco nmb mobile agency banking contactless payments xapit partnerships correspondent banking bpr rwanda proximity payments minitix banking distribution banking mobile money agency partnerships rabo near field communications developing markets sms betalen tanzania nmb tanzania mno collaboration fmb banque populaaire du rwanda mobile wallet thoughts on the mobile wallet techmap amsterdam zamaco africa mobey forum fmb malawi mca rabobank international nmn mobile nacha contactless brussels cm banks and telcos banks and carriers banks and operators dan armstrong takashi mobile banks banking channels african mobile rwanda african mobile payments african mobile banking mobile financial services emerging markets payments harsh computing environments selse 2011 mobile banking apps bankmobile banking innovation banco regional distribution e-banking channels sicredi mobi sicredi vodacom mobile financial services distribution mpesa mvno trust nfc< mobile payments pos mvnos telecommunications retail banking mobile telecommunications payments ble mobile banking app