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accession of Ukraine annual growth rate BADINGER bank account Bank Of India beneﬁcial beneﬁt Brazil and United Brazilian and United Brazilian small businesses businesses in Brazil China coefﬁcients competition conﬁdence costs countries current challenges Customs Unions database deﬁned developed difﬁcult domestic product GDP dynamic effects economic integration efﬁciency equations estimates European ﬁgure ﬁnance ﬁnancial availability ﬁnancial inclusion ﬁnancial planning ﬁrms ﬁrst ﬁve government debts government support gross domestic product inﬂation innovation International Monetary Fund investment Journal Kenya KRUGMAN literature M-Banking M-PESA M-PESA model M-PESA service manufacturing market research metal waste Mobile Banking Mobile Money Mobile Network Operator Mobile payment mobile phone mobile phone banking nation number of branches option paper and paperboard paperboard percent population Processing/preserving products n.e.c. recycling of metal region relative efficiency social media strategic planning Table tions transaction Tsounis Ukraine unbanked unem unemployment rate United States small VENABLES waste and scrap