This paper examines the extent to which users in developing countries innovate, and whether these innovations are meaningful on a global stage. To study this issue, we conducted an empirical investigation into the origin and types of innovations in financial services offered via mobile phones, a...

While the user-innovation literature has considered firms as potential user-innovators, little is known about the individual contributions by employees of producer-firms, who innovate to address their own specific needs within their firm, and which we refer to as employee-users. We investigate...