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Even if the causal relationship between financial literacy and use of microfinance services isn't proved scientifically, in theory it makes perfect sense. Plus, even if experience is the precursor to better financial experience, it isn't necessarily a deal breaker, because experiences can be molded into case studies and shared with inexperienced mobile banking users as part of trainings that 'intersect' the causal relationship, i.e. offer the benefits that experience yields without having to experience something first-hand. Additionally, I wonder if studies are underway to determine the causal relationship between financial literacy and price transparency.