Users as Innovators in Developing Countries: The Global Sources of Innovation and Diffusion in Mobile Banking Services
Paul Van Der Boor, Pedro Oliveira, Francisco Veloso
Research Policy, vol. 43, 2014, p. 1594-1607.

Users as Service Innovators: The Case of Banking Services
Pedro Oliveira, Eric von Hippel
Research Policy, vol. 40, 2011, p. 806-818.