@inproceedings{DUXU-WM-2013-HeikkilaJR,
	author        = "Päivi Heikkilä and Heli Järventie-Ahonen and Sirpa Riihiaho",
	booktitle     = "{Proceedings of the Second International Conference on Design, User Experience, and Usability. Part IV: Web, Mobile, and Product Design}",
	doi           = "10.1007/978-3-642-39253-5_73",
	isbn          = "978-3-642-39252-8",
	pages         = "660--665",
	publisher     = "{Springer International Publishing}",
	series        = "{Lecture Notes in Computer Science}",
	title         = "{User-Originated Innovation of Mobile Financial Services}",
	volume        = 8015,
	year          = 2013,
}