@article{1378779, author = {Cull, Robert J. and Demirgüç-Kunt, Aslı, and Morduch, Jonathan.}, url = {http://library.usi.edu/record/1378779}, title = {Banking the world: empirical foundations of financial inclusion /}, publisher = {MIT Press,}, recid = {1378779}, pages = {vi, 511 p.}, address = {Cambridge, Mass. :}, year = {2013}, }