“…While previous studies on citizen centricity have attracted wide attention (van der Boor et al , 2014), and have proven to be important in various areas, such as urban development (Stapper et al , 2020), or health services development (Walsh et al , 2016), the concepts have not been studied concerning community investment decision-making by community banks. Further, studies that have consulted with end-users before commencing a project (Babajanian, 2015), for example, by using co-design (Durl et al , 2017; Dietrich et al , 2017) and service design (Russell-Bennett et al , 2017), generally focus on solutions, rather than problem definition.…”