TY - GENERIC DO - 10.20944/preprints202311.0636.v1 UR - http://dx.doi.org/10.20944/preprints202311.0636.v1 TI - Value Cocreation and Digital Financial Services Inclusion in Emerging Markets T2 - Preprints AU - Elliot, Esi AU - Ngugi, Ben AU - Adams, Russell AU - Downey, Clara PY - 2023 DA - 2023/11/09 PB - Preprints