Nielsen, R. B., Fletcher, C. N., & Bartholomae, S. (2016). Consumer finances of low-income families. In J. Xiao (Ed.), Handbook of Consumer Finance Research(2nd Ed.). New York: Springer. doi:10.1007/978-3-319-28887-1_14

Anong, S. T., & Kunovskaya, I. (2013). M-finance and consumer redress for the unbanked in South Africa. International Journal of Consumer Studies, 37(4), 454-464.

Garasky, S., Nielsen, R. B., & Fletcher, C. N. (2008). Consumer finances of low-income families: Looking beyond income and earnings. In J. Xiao (Ed.), Handbook of Consumer Finance Research. New York: Springer.


Anong, S. T. The impact of mobile finance in rural and urban Zimbabwe. UGA Center for Teaching and Learning. 2012 - 2013. $7,500.

Anong, S. T. Innovative financial inclusion and education for the unbanked and underbanked in Georgia. College of Family and Consumer Sciences (FACS), University of Georgia. 2012. $2,000.