@misc{lim2026_ssrn_6830281,
  author = {Lim, Boon Chuan},
  title = {The Digital Discount in Cross-Border Remittances: Stylised Facts on the Inclusion Gradient, 2016-2025},
  year = {2026},
  doi = {10.2139/ssrn.6830281},
  url = {https://doi.org/10.2139/ssrn.6830281},
  note = {Working paper / preprint}
}