@article{202311.0636,
	doi = {10.20944/preprints202311.0636.v1},
	url = {https://doi.org/10.20944/preprints202311.0636.v1},
	year = 2023,
	month = {November},
	publisher = {Preprints},
	author = {Esi Elliot and Ben Ngugi and Russell Adams and Clara Downey},
	title = {Value Cocreation and Digital Financial Services Inclusion in Emerging Markets},
	journal = {Preprints}
}