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Exclusive LicenseSustainable DevelopmentBusiness GrowthSocial MediaSocial InclusionSustainable Competitive AdvantageTechnological InnovationInclusive DevelopmentCollective IntelligenceGovernance of ScienceEconomic GrowthConsumer BehaviorInnovation PolicySocially ResponsibleFintech ProductsCorporate Social ResponsibilityDeveloping CountriesOpen InnovationSocial Media Usage BehaviorConceptual Framework