@inproceedings{IDGD-2009-MedhiRT,
	author        = "Indrani Medhi and Aishwarya Ratan and Kentaro Toyama",
	booktitle     = "{Proceedings of the Third International Conference on Internationalization, Design and Global Development}",
	doi           = "10.1007/978-3-642-02767-3_54",
	isbn          = "978-3-642-02766-6",
	pages         = "485--494",
	publisher     = "{Springer International Publishing}",
	series        = "{Lecture Notes in Computer Science}",
	title         = "{Mobile-Banking Adoption and Usage by Low-Literate, Low-Income Users in the Developing World}",
	volume        = 5623,
	year          = 2009,
}