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33.对Haluk Kulin的采访，2015年6月9日。
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34.Analie Domingo同意让我们跟着她，记录她平常向远在菲律宾的母亲汇款的过程。Analie已经是Don Tapscott和Ana Lopes的20年时间的雇员了，也是很亲近的朋友。
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35.www12.statcan.gc.ca/nhs-enm/2011/dp-pd/prof/details/page.cfm?Lang=E&Geo1=PR&Code1=01&Data=Count&SearchText=canada&SearchType=Begins&SearchPR=01&A1=All&B1=All&Custom=&TABID=1.
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36.https://remittanceprices.worldbank.org/sites/default/files/rpw_report_june_2015.pdf.
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37.汇款市场有着5000亿美元的规模；若按照平均7.7%的手续费的话，则是385亿美元的手续费。
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38.Dilip Ratha, “The Impact of Remittances on Economic Growth and Poverty Reduction,” Migration Policy Institute 8 (2013年9月).
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39.Adolf Barajas, 等人, “Do Workers’ Remittances Promote Economic Growth?,”IMF Working Paper, www10.iadb.org/intal/intalcdi/pe/2009/03935.pdf.
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40.“Aid and Remittances from Canada to Select Countries,” Canadian International Development Platform, http://cidpnsi.ca/blog/portfolio/aid-and-remittances-from-canada/.
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1703874546
41.World Bank Remittance Price Index, https://remittanceprices.worldbank.org/en.
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1703874548
42.2011 National Household Survey Highlights, Canadian Census Bureau, www.fin.gov.on.ca/en/economy/demographics/census/nhshi11-1.html.
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1703874550
43.https://support.skype.com/en/faq/FA1417/how-much-bandwidth-does-skype-need.
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1703874552
44.对Eric Piscini的采访，2015年7月13日。
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1703874554
45.http://corporate.westernunion.com/Corporate_Fact_Sheet.html.
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1703874556
46.在行文之时，Abra还没有在加拿大开业。不过，我们在Abra的帮助下成功地通过Analie和她的母亲测试了Abra的技术。
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1703874558
47.对Bill Barhydt的采访，2015年8月25日。
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1703874560
48.对Bill Barhydt的采访，2015年8月25日。
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1703874562
49.对Bill Barhydt的采访，2015年8月25日。
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50.“Foreign Aid and Rent-Seeking, The Journal of International Economics, 2000, 438;http://conferences.wcfia.harvard.edu/sites/projects.iq.harvard.edu/files/gov2126/files/1632.pdf.
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51.“Foreign Aid and Rent-Seeking, The Journal of International Economics, 2000, 438;http://conferences.wcfia.harvard.edu/sites/projects.iq.harvard.edu/files/gov2126/files/1632.pdf.
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52.www.propublica.org/article/how-the-red-cross-raised-half-a-billion-dollars-for-haiti-and-built-6-homes.
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53.“Mortality, Crime and Access to Basic Needs Before and After the Haiti Earthquake,”Medicine, Conflict and Survival 26(4) (2010).
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54.http://unicoins.org/.
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55.Jeffrey Ashe与Kyla Jagger Neilan, 在Their Own Hands: How Savings Groups Are Revolutionizing Development (San Francisco: Berrett-Koehler Publishers, 2014)中提及。
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1703874576
56.E.Kumar Sharma, “Founder Falls,” Business Today (India), 2011年12月25日；www.businesstoday.in/magazine/features/vikram-akula-quits-sks-microfiance-loses-or-gains/story/20680.html.
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1703874578
57.Ning Wang, “Measuring Transaction Costs: An Incomplete Survey,” Ronald Coase Institute Working Papers 2 (2003年2月); www.coase.org/workingpapers/wp-2.pdf.
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