Puente, M. et al. 2021. Analysis of Bancarization Through Sofware as a Process of Financial Inclusion in Chimborazo. ESPOCH Congresses: The Ecuadorian Journal of S.T.E.A.M. 1, 1 (Aug. 2021), 102–118. DOI:https://doi.org/10.18502/espoch.v1i1.9552.