This is an Accepted Manuscript of a book chapter published by Routledge in Jyoti Choudrie, Sherah Kurnia, and Panayiota Tsatsou, eds., Social Inclusion and Usability of ICT-enabled Services, on October 2017, available online at: https://www.routledge.com/Social-Inclusion-and-Usability-of-ICT-enabled-Services/Choudrie-Kurnia-Tsatsou/p/book/9781138935556. Under embargo until 30 April 2019.Peer reviewedFinal Accepted Versio
