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Through this paper authors would like to present the current scenario in Developed/Developing countries so as to highlight the reasons that have enabled these nations to pioneer or successfully extend m-banking & m-commerce services to its citizens. This paper also depicts the existing regulatory mechanism in the Indian context and suggests changes that will act as enablers. This includes the detailed study of RBI guidelines and its role in the m-banking ecosystem. Authors have studied countries like Kenya, South Africa, Japan, USA to understand the reasons behind their success of m-banking & m-commerce.
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