@misc{1616,
  author = {N Hayes and G Miscione and C Westrup},
  title = {Overflows of Technological Innovation in Emerging Economies: The Case of M-Pesa},
  year = {2013},
  publisher = {Elsevier BV},
  doi = {10.2139/ssrn.2617305},
  language = {eng},
  key = {hayesoverflowsmpesa},
}