In “% of adults who report using a mobile phone to receive money” the relative pronoun can be replaced by 
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The author used the expression “On the other hand” (l.16) to connect two different ideas.
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“non-Western societies” (l.17) and “Elsewhere in the world” (l.15) refer, in the text, to basically the same thing.
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No change in meaning will occur if “need not be seen” (l.20) is replaced with must not be seen.
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In the fragment “Standards of beauty in and of themselves are by no means universal” (l.5 and 6), the expression “by no means” is the same as not at all.
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“that conventional view” (l.9) refers to the theory that modern humans came from just one single place in Africa.
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“in the first place” (l.7) means basically the same as to start with.
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The expression “People used to think” (l.4) suggests that they no longer think that way.
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In “It is also somewhat expensive for the average person” (l.12 and 13), “average person” means the same as ordinary person.
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In the phrase “their emotional state” (l.23), the word “their” refers to “Ethan Kross and colleagues” (l.22).