established procedures and processes for collecting and digitising research documents and is making these available through a website with a supporting online community or related professionals. NDR is implemented by MALICO. Additionally, MALICO, with the support from the International Network for the Availability of Scientific Publications (INASP) and eIFL.net, aims to establish a digital repository for research in Malawi. The National Digital repository of research for Malawi aims at collecting research outputs from Malawian institutions and building their capacities in global knowledge sharing. It is envisaged that the increased accessibility and visibility of Malawian research outputs will increase their impact on policy and bring more transparency to research institutions. A second aim is to link to, learn from and utilise the related work, ensuring close collaboration, identifying opportunities for further collaboration and avoiding duplication of effort. The project also includes a training component for technicians, researchers, nongovernmental organisations and policy makers to enable them to repackage their research for different audiences as well as input such information into the repository. 3.18 Mobile Innovations and e-Banking: Mobile Money and mobile bill payments: Mpamba and Airtel Money. The two mobile service providers in the country have introduced new innovations on the Malawi market that use mobile service to send and receive money. To use the service one has to register for the mobile money service. The service has been extended to enable client pay bills as well. Banks are using ICT to provide internet banking to its clients. Some banks have implemented mobile sms alert to inform client of transactions on their accounts. 37