PUENTE, M.; GAVILÁNEZ, O.; ARIAS, I. Analysis of Bancarization Through Sofware as a Process of Financial Inclusion in Chimborazo. ESPOCH Congresses: The Ecuadorian Journal of S.T.E.A.M., [S. l.], v. 1, n. 1, p. 102–118, 2021. DOI: 10.18502/espoch.v1i1.9552. Disponível em: https://knepublishing.com/index.php/espoch/article/view/9552. Acesso em: 26 jul. 2025.