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"User-Originated Innovation of Mobile Financial Services."
Päivi Heikkilä, Heli Järventie-Ahonen, Sirpa Riihiaho (2013)
- Päivi Heikkilä, Heli Järventie-Ahonen, Sirpa Riihiaho:
User-Originated Innovation of Mobile Financial Services. HCI (12) 2013: 660-665
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