@booklet {hayesoverflowsmpesa,
	title = {Overflows of Technological Innovation in Emerging Economies: The Case of M-Pesa},
	year = {2013},
	publisher = {Elsevier BV},
	doi = {10.2139/ssrn.2617305},
	author = {Hayes, N and Miscione, G and Westrup, C}
}
