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Mesbah Sharaf

Mesbah Sharaf

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Can countries replace SWIFT? Evidence from Russia suggests not easily

Cut off from the world’s main financial messaging system, Russia turned to a domestic alternative. But research shows it fell far short of replacing...

29.03.2026 20

The Conversation

Mesbah Sharaf

Digital payments can expand financial inclusion — but only under the right conditions

New research shows that digital payment technology does not always increase financial inclusion for everyone.

06.01.2026 20

The Conversation

Mesbah Sharaf