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Key Findings: Risk Sharing & Transaction Costs in Mobile Banking - Evidence from Kenya | CFSP | Consortium on Financial Systems and Poverty

Key Findings: Risk Sharing & Transaction Costs in Mobile Banking - Evidence from Kenya

CFSP
Publication Type: 
Key Findings Brief
Publication Article File: 
Publication Year: 
2011

This is a two-page brief that summarizes the key findings of the working paper, "Risk Sharing & Transaction Costs: Evidence from Kenya's Mobile Money Revolution," written by William Jack and Tavneet Suri.

CFSP's Key Findings series is designed to give policymakers, researchers and other stakeholders quick insight to the results of the Consortium's research and to introduce our work.

Topic: 
Risk
Topic: 
Mobile Financial Services
Topic: 
Informal Economy
Topic: 
Payments Systems
Topic: 
Consumption

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Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3026;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3026;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3026;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3028;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3028;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3026;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3026;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3026;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3028;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3028;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3026;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3026;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3026;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3028;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3028;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3026;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3026;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3026;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3028;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3028;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3216;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3216;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3216;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3216;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3216;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3216;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3216;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3037;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3037;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3037;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3039;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3039;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3039;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3037;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3037;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3037;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3039;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3039;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3039;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3037;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3037;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3037;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3039;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3039;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3039;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3037;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3037;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3037;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3039;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3039;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3039;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3037;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3037;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3037;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3039;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3039;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3039;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3037;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3037;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3037;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3039;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3039;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3039;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3037;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3037;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3037;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3039;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3039;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3039;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3037;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3037;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3037;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3039;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3039;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3039;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3037;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3037;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3037;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3039;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3039;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3039;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3037;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3037;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3037;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3039;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3039;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3039;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3216;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3219;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3216;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3216;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3216;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3219;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3219;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3216;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3219;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128

Warning: Duplicate entry '128317791' for key 'PRIMARY' query: INSERT INTO cfsp_watchdog (uid, type, message, variables, severity, link, location, referer, hostname, timestamp) VALUES (0, 'php', '%message in %file on line %line.', 'a:4:{s:6:\"%error\";s:14:\"strict warning\";s:8:\"%message\";s:44:\"Only variables should be passed by reference\";s:5:\"%file\";s:88:\"/nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/sites/all/modules/boost/boost.module\";s:5:\"%line\";i:3219;}', 3, '', 'https://2www.cfsp.org/publications/key-findings-brief/key-findings-risk-sharing-transaction-costs-mobile-banking-evidence-', '', '3.210.201.170', 1603160973) in /nfs/c06/h02/mnt/96679/domains/phase2.cfsp.org/html/includes/database.mysql.inc on line 128