**Acknowledgements**

At this juncture, I want to take this opportunity of expressing my appreciation to my children (*Sona*, *Hannah* and *Emerson [Jnr]*) who have been very receptive to my emotions, particularly time spent away from them to make ends meet. They have helped in enthusing my epistemological journey towards this book chapter. I am also grateful to my brothers (in Sierra Leone and the UK); colleagues in the Research Department, Bank of Sierra Leone; and the academia who have been instrumental in making my mind very focused in thinking constructively throughout the journey of this project.
