@article{1507,
  author = {Niall Hayes and Gianluca Miscione and Chris Westrup},
  title = {Overflows of Technological Innovation in Emerging Economies: The Case of M-Pesa},
  year = {2013},
  booktitle = {Available at SSRN 2617305},
  journal = {Available at SSRN 2617305},
  key = {hayes2013overflows},
}