@article{
  author = {Pahlavanian, Mercedeh, shirkhodaei, meysam, ghazinori, seied sepehr},
  title = {Investigating the Impact of Citizens' Participation on Fintech},
  journal = {Journal of Innovation and Value Creation},
  year = {2023},
  volume = {11},
  number = {21},
  pages = {29-48},
  doi = {}
}