@misc{kim2022decentralisation,
  author = {Kim, Habbine Estelle and Plotka, Maciej Bernard},
  title = {Decentralisation and Digital Transformation: User e-Consciousness and Accountability of Intermediators},
  year = {2022},
  howpublished = {Available at SSRN 4256243},
  url = {https://ssrn.com/abstract=4256243}
}