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M-Pesa, a mobile-phone based electronic payments system, has been adopted by 8.5 million Kenyans in the relatively short span of 21⁄2 years. Surveys of users show it is a highly valued service, and Safaricom continues to expand the range of applications it can be used for. This paper explores how Safaricom, the mobile operator that commercializes M-PESA,(More)
considers linguo-combinatorial modeling with the use of actual data from Petrostat (St. Petersburg State Statistics Service) aimed at supporting managerial decision-making when forecasting a short-term prospect (2–3 years), a medium-term prospect (4–5 years) and a long-term prospect (6–10 years) for certain aspects of the city(More)
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