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CONTENTS Acknowledgements Abstract 　 Chapter 1: Setting Out the Problem And Scope Of The Study Chapter 2: Introduction to The Mobile Payments System In Kenya: Background And Historical Context Chapter 3: Financial Stability and Integrity After Financial Inclusion Through Mobile Payments Chapter 4: The Legal and Regulatory Challenges in The Current Regulatory Framework Chapter 5: Themes Around the Appropriate Regulatory Framework For Mobile Payments Systems Chapter 6: Conclusion Bibliography Index