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Mobile phones develop increasingly as a significant channel for fundamental banking services in the countries with a low level of material well being (developing countries). Mobile Payment with mobile phones indicates the partial convergence of banking and telecommunication. There are important differences in usage as well as in the acceptance of the M-Payment in developed and developing countries. This paper analysis the reasons for the different popularity of the usage of these telecommunication services in different parts of the world with focus on European Union and Serbia.
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